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$78,157
−HK$4,901/mo
▼ 0.25% · 3.875%
HK$80,588
−HK$2,470/mo
Today · 4.125%
HK$83,058
baseline
▲ 0.50% · 4.625%
HK$88,112
+HK$5,054/mo
Deposit HK$17.14M · loan HK$17.14M · min. income ≈ HK$166,116/mo (50% DSR)
Upfront cash ≈ HK$18.59M (deposit + AVD stamp duty HK$1,456,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,949
−HK$4,697/mo
▼ 0.25% · 3.875%
HK$89,281
−HK$2,365/mo
Today · 4.125%
HK$91,646
baseline
▲ 0.50% · 4.625%
HK$96,477
+HK$4,831/mo
Deposit HK$17.14M · loan HK$17.14M · min. income ≈ HK$183,292/mo (50% DSR)
Upfront cash ≈ HK$18.59M (deposit + AVD stamp duty HK$1,456,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,788
−HK$5,882/mo
▼ 0.25% · 3.875%
HK$96,706
−HK$2,964/mo
Today · 4.125%
HK$99,670
baseline
▲ 0.50% · 4.625%
HK$105,734
+HK$6,064/mo
Deposit HK$13.71M · loan HK$20.57M · min. income ≈ HK$199,340/mo (50% DSR)
Upfront cash ≈ HK$15.17M (deposit + AVD stamp duty HK$1,456,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,338
−HK$5,637/mo
▼ 0.25% · 3.875%
HK$107,137
−HK$2,838/mo
Today · 4.125%
HK$109,975
baseline
▲ 0.50% · 4.625%
HK$115,772
+HK$5,797/mo
Deposit HK$13.71M · loan HK$20.57M · min. income ≈ HK$219,950/mo (50% DSR)
Upfront cash ≈ HK$15.17M (deposit + AVD stamp duty HK$1,456,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,420
−HK$6,861/mo
▼ 0.25% · 3.875%
HK$112,823
−HK$3,458/mo
Today · 4.125%
HK$116,281
baseline
▲ 0.50% · 4.625%
HK$123,357
+HK$7,076/mo
Deposit HK$10.28M · loan HK$23.99M · min. income ≈ HK$232,562/mo (50% DSR)
Upfront cash ≈ HK$11.74M (deposit + AVD stamp duty HK$1,456,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,728
−HK$6,577/mo
▼ 0.25% · 3.875%
HK$124,993
−HK$3,312/mo
Today · 4.125%
HK$128,305
baseline
▲ 0.50% · 4.625%
HK$135,068
+HK$6,763/mo
Deposit HK$10.28M · loan HK$23.99M · min. income ≈ HK$256,610/mo (50% DSR)
Upfront cash ≈ HK$11.74M (deposit + AVD stamp duty HK$1,456,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,682
−HK$8,822/mo
▼ 0.25% · 3.875%
HK$145,058
−HK$4,446/mo
Today · 4.125%
HK$149,504
baseline
▲ 0.50% · 4.625%
HK$158,601
+HK$9,097/mo
Deposit HK$3.43M · loan HK$30.85M · min. income ≈ HK$299,008/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$1,456,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,508
−HK$8,455/mo
▼ 0.25% · 3.875%
HK$160,705
−HK$4,258/mo
Today · 4.125%
HK$164,963
baseline
▲ 0.50% · 4.625%
HK$173,659
+HK$8,696/mo
Deposit HK$3.43M · loan HK$30.85M · min. income ≈ HK$329,926/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$1,456,707 · Scale 2, in force from 26 Feb 2026)