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$78,247
−HK$4,906/mo
▼ 0.25% · 3.875%
HK$80,680
−HK$2,473/mo
Today · 4.125%
HK$83,153
baseline
▲ 0.50% · 4.625%
HK$88,213
+HK$5,060/mo
Deposit HK$17.16M · loan HK$17.16M · min. income ≈ HK$166,306/mo (50% DSR)
Upfront cash ≈ HK$18.62M (deposit + AVD stamp duty HK$1,458,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,048
−HK$4,703/mo
▼ 0.25% · 3.875%
HK$89,383
−HK$2,368/mo
Today · 4.125%
HK$91,751
baseline
▲ 0.50% · 4.625%
HK$96,588
+HK$4,837/mo
Deposit HK$17.16M · loan HK$17.16M · min. income ≈ HK$183,502/mo (50% DSR)
Upfront cash ≈ HK$18.62M (deposit + AVD stamp duty HK$1,458,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,896
−HK$5,888/mo
▼ 0.25% · 3.875%
HK$96,817
−HK$2,967/mo
Today · 4.125%
HK$99,784
baseline
▲ 0.50% · 4.625%
HK$105,856
+HK$6,072/mo
Deposit HK$13.73M · loan HK$20.59M · min. income ≈ HK$199,568/mo (50% DSR)
Upfront cash ≈ HK$15.18M (deposit + AVD stamp duty HK$1,458,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,458
−HK$5,644/mo
▼ 0.25% · 3.875%
HK$107,260
−HK$2,842/mo
Today · 4.125%
HK$110,102
baseline
▲ 0.50% · 4.625%
HK$115,905
+HK$5,803/mo
Deposit HK$13.73M · loan HK$20.59M · min. income ≈ HK$220,204/mo (50% DSR)
Upfront cash ≈ HK$15.18M (deposit + AVD stamp duty HK$1,458,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,545
−HK$6,870/mo
▼ 0.25% · 3.875%
HK$112,953
−HK$3,462/mo
Today · 4.125%
HK$116,415
baseline
▲ 0.50% · 4.625%
HK$123,498
+HK$7,083/mo
Deposit HK$10.29M · loan HK$24.02M · min. income ≈ HK$232,830/mo (50% DSR)
Upfront cash ≈ HK$11.75M (deposit + AVD stamp duty HK$1,458,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,868
−HK$6,584/mo
▼ 0.25% · 3.875%
HK$125,136
−HK$3,316/mo
Today · 4.125%
HK$128,452
baseline
▲ 0.50% · 4.625%
HK$135,223
+HK$6,771/mo
Deposit HK$10.29M · loan HK$24.02M · min. income ≈ HK$256,904/mo (50% DSR)
Upfront cash ≈ HK$11.75M (deposit + AVD stamp duty HK$1,458,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,844
−HK$8,832/mo
▼ 0.25% · 3.875%
HK$145,225
−HK$4,451/mo
Today · 4.125%
HK$149,676
baseline
▲ 0.50% · 4.625%
HK$158,783
+HK$9,107/mo
Deposit HK$3.43M · loan HK$30.88M · min. income ≈ HK$299,352/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$1,458,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,687
−HK$8,466/mo
▼ 0.25% · 3.875%
HK$160,890
−HK$4,263/mo
Today · 4.125%
HK$165,153
baseline
▲ 0.50% · 4.625%
HK$173,858
+HK$8,705/mo
Deposit HK$3.43M · loan HK$30.88M · min. income ≈ HK$330,306/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$1,458,379 · Scale 2, in force from 26 Feb 2026)