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$78,126
−HK$4,900/mo
▼ 0.25% · 3.875%
HK$80,556
−HK$2,470/mo
Today · 4.125%
HK$83,026
baseline
▲ 0.50% · 4.625%
HK$88,077
+HK$5,051/mo
Deposit HK$17.13M · loan HK$17.13M · min. income ≈ HK$166,052/mo (50% DSR)
Upfront cash ≈ HK$18.59M (deposit + AVD stamp duty HK$1,456,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,915
−HK$4,695/mo
▼ 0.25% · 3.875%
HK$89,246
−HK$2,364/mo
Today · 4.125%
HK$91,610
baseline
▲ 0.50% · 4.625%
HK$96,439
+HK$4,829/mo
Deposit HK$17.13M · loan HK$17.13M · min. income ≈ HK$183,220/mo (50% DSR)
Upfront cash ≈ HK$18.59M (deposit + AVD stamp duty HK$1,456,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,752
−HK$5,879/mo
▼ 0.25% · 3.875%
HK$96,668
−HK$2,963/mo
Today · 4.125%
HK$99,631
baseline
▲ 0.50% · 4.625%
HK$105,693
+HK$6,062/mo
Deposit HK$13.70M · loan HK$20.56M · min. income ≈ HK$199,262/mo (50% DSR)
Upfront cash ≈ HK$15.16M (deposit + AVD stamp duty HK$1,456,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,298
−HK$5,635/mo
▼ 0.25% · 3.875%
HK$107,095
−HK$2,838/mo
Today · 4.125%
HK$109,933
baseline
▲ 0.50% · 4.625%
HK$115,727
+HK$5,794/mo
Deposit HK$13.70M · loan HK$20.56M · min. income ≈ HK$219,866/mo (50% DSR)
Upfront cash ≈ HK$15.16M (deposit + AVD stamp duty HK$1,456,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,377
−HK$6,859/mo
▼ 0.25% · 3.875%
HK$112,779
−HK$3,457/mo
Today · 4.125%
HK$116,236
baseline
▲ 0.50% · 4.625%
HK$123,308
+HK$7,072/mo
Deposit HK$10.28M · loan HK$23.98M · min. income ≈ HK$232,472/mo (50% DSR)
Upfront cash ≈ HK$11.73M (deposit + AVD stamp duty HK$1,456,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,681
−HK$6,574/mo
▼ 0.25% · 3.875%
HK$124,944
−HK$3,311/mo
Today · 4.125%
HK$128,255
baseline
▲ 0.50% · 4.625%
HK$135,015
+HK$6,760/mo
Deposit HK$10.28M · loan HK$23.98M · min. income ≈ HK$256,510/mo (50% DSR)
Upfront cash ≈ HK$11.73M (deposit + AVD stamp duty HK$1,456,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,627
−HK$8,819/mo
▼ 0.25% · 3.875%
HK$145,002
−HK$4,444/mo
Today · 4.125%
HK$149,446
baseline
▲ 0.50% · 4.625%
HK$158,539
+HK$9,093/mo
Deposit HK$3.43M · loan HK$30.84M · min. income ≈ HK$298,892/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$1,456,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,447
−HK$8,452/mo
▼ 0.25% · 3.875%
HK$160,642
−HK$4,257/mo
Today · 4.125%
HK$164,899
baseline
▲ 0.50% · 4.625%
HK$173,591
+HK$8,692/mo
Deposit HK$3.43M · loan HK$30.84M · min. income ≈ HK$329,798/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$1,456,138 · Scale 2, in force from 26 Feb 2026)