The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$78,436
−HK$4,918/mo
▼ 0.25% · 3.875%
HK$80,876
−HK$2,478/mo
Today · 4.125%
HK$83,354
baseline
▲ 0.50% · 4.625%
HK$88,426
+HK$5,072/mo
Deposit HK$17.20M · loan HK$17.20M · min. income ≈ HK$166,708/mo (50% DSR)
Upfront cash ≈ HK$18.66M (deposit + AVD stamp duty HK$1,461,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,259
−HK$4,714/mo
▼ 0.25% · 3.875%
HK$89,599
−HK$2,374/mo
Today · 4.125%
HK$91,973
baseline
▲ 0.50% · 4.625%
HK$96,821
+HK$4,848/mo
Deposit HK$17.20M · loan HK$17.20M · min. income ≈ HK$183,946/mo (50% DSR)
Upfront cash ≈ HK$18.66M (deposit + AVD stamp duty HK$1,461,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,123
−HK$5,902/mo
▼ 0.25% · 3.875%
HK$97,051
−HK$2,974/mo
Today · 4.125%
HK$100,025
baseline
▲ 0.50% · 4.625%
HK$106,112
+HK$6,087/mo
Deposit HK$13.76M · loan HK$20.64M · min. income ≈ HK$200,050/mo (50% DSR)
Upfront cash ≈ HK$15.22M (deposit + AVD stamp duty HK$1,461,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,711
−HK$5,657/mo
▼ 0.25% · 3.875%
HK$107,519
−HK$2,849/mo
Today · 4.125%
HK$110,368
baseline
▲ 0.50% · 4.625%
HK$116,186
+HK$5,818/mo
Deposit HK$13.76M · loan HK$20.64M · min. income ≈ HK$220,736/mo (50% DSR)
Upfront cash ≈ HK$15.22M (deposit + AVD stamp duty HK$1,461,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,810
−HK$6,886/mo
▼ 0.25% · 3.875%
HK$113,226
−HK$3,470/mo
Today · 4.125%
HK$116,696
baseline
▲ 0.50% · 4.625%
HK$123,797
+HK$7,101/mo
Deposit HK$10.32M · loan HK$24.08M · min. income ≈ HK$233,392/mo (50% DSR)
Upfront cash ≈ HK$11.78M (deposit + AVD stamp duty HK$1,461,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,163
−HK$6,600/mo
▼ 0.25% · 3.875%
HK$125,439
−HK$3,324/mo
Today · 4.125%
HK$128,763
baseline
▲ 0.50% · 4.625%
HK$135,550
+HK$6,787/mo
Deposit HK$10.32M · loan HK$24.08M · min. income ≈ HK$257,526/mo (50% DSR)
Upfront cash ≈ HK$11.78M (deposit + AVD stamp duty HK$1,461,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,184
−HK$8,854/mo
▼ 0.25% · 3.875%
HK$145,576
−HK$4,462/mo
Today · 4.125%
HK$150,038
baseline
▲ 0.50% · 4.625%
HK$159,167
+HK$9,129/mo
Deposit HK$3.44M · loan HK$30.96M · min. income ≈ HK$300,076/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$1,461,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,066
−HK$8,486/mo
▼ 0.25% · 3.875%
HK$161,279
−HK$4,273/mo
Today · 4.125%
HK$165,552
baseline
▲ 0.50% · 4.625%
HK$174,278
+HK$8,726/mo
Deposit HK$3.44M · loan HK$30.96M · min. income ≈ HK$331,104/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$1,461,906 · Scale 2, in force from 26 Feb 2026)