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$78,324
−HK$4,912/mo
▼ 0.25% · 3.875%
HK$80,760
−HK$2,476/mo
Today · 4.125%
HK$83,236
baseline
▲ 0.50% · 4.625%
HK$88,300
+HK$5,064/mo
Deposit HK$17.17M · loan HK$17.17M · min. income ≈ HK$166,472/mo (50% DSR)
Upfront cash ≈ HK$18.63M (deposit + AVD stamp duty HK$1,459,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,135
−HK$4,707/mo
▼ 0.25% · 3.875%
HK$89,472
−HK$2,370/mo
Today · 4.125%
HK$91,842
baseline
▲ 0.50% · 4.625%
HK$96,683
+HK$4,841/mo
Deposit HK$17.17M · loan HK$17.17M · min. income ≈ HK$183,684/mo (50% DSR)
Upfront cash ≈ HK$18.63M (deposit + AVD stamp duty HK$1,459,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,989
−HK$5,894/mo
▼ 0.25% · 3.875%
HK$96,912
−HK$2,971/mo
Today · 4.125%
HK$99,883
baseline
▲ 0.50% · 4.625%
HK$105,960
+HK$6,077/mo
Deposit HK$13.74M · loan HK$20.61M · min. income ≈ HK$199,766/mo (50% DSR)
Upfront cash ≈ HK$15.20M (deposit + AVD stamp duty HK$1,459,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,562
−HK$5,649/mo
▼ 0.25% · 3.875%
HK$107,366
−HK$2,845/mo
Today · 4.125%
HK$110,211
baseline
▲ 0.50% · 4.625%
HK$116,020
+HK$5,809/mo
Deposit HK$13.74M · loan HK$20.61M · min. income ≈ HK$220,422/mo (50% DSR)
Upfront cash ≈ HK$15.20M (deposit + AVD stamp duty HK$1,459,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,654
−HK$6,876/mo
▼ 0.25% · 3.875%
HK$113,064
−HK$3,466/mo
Today · 4.125%
HK$116,530
baseline
▲ 0.50% · 4.625%
HK$123,620
+HK$7,090/mo
Deposit HK$10.30M · loan HK$24.04M · min. income ≈ HK$233,060/mo (50% DSR)
Upfront cash ≈ HK$11.76M (deposit + AVD stamp duty HK$1,459,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,988
−HK$6,591/mo
▼ 0.25% · 3.875%
HK$125,260
−HK$3,319/mo
Today · 4.125%
HK$128,579
baseline
▲ 0.50% · 4.625%
HK$135,357
+HK$6,778/mo
Deposit HK$10.30M · loan HK$24.04M · min. income ≈ HK$257,158/mo (50% DSR)
Upfront cash ≈ HK$11.76M (deposit + AVD stamp duty HK$1,459,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,983
−HK$8,841/mo
▼ 0.25% · 3.875%
HK$145,369
−HK$4,455/mo
Today · 4.125%
HK$149,824
baseline
▲ 0.50% · 4.625%
HK$158,940
+HK$9,116/mo
Deposit HK$3.43M · loan HK$30.91M · min. income ≈ HK$299,648/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$1,459,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,842
−HK$8,474/mo
▼ 0.25% · 3.875%
HK$161,049
−HK$4,267/mo
Today · 4.125%
HK$165,316
baseline
▲ 0.50% · 4.625%
HK$174,030
+HK$8,714/mo
Deposit HK$3.43M · loan HK$30.91M · min. income ≈ HK$330,632/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$1,459,823 · Scale 2, in force from 26 Feb 2026)