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$78,254
−HK$4,907/mo
▼ 0.25% · 3.875%
HK$80,688
−HK$2,473/mo
Today · 4.125%
HK$83,161
baseline
▲ 0.50% · 4.625%
HK$88,221
+HK$5,060/mo
Deposit HK$17.16M · loan HK$17.16M · min. income ≈ HK$166,322/mo (50% DSR)
Upfront cash ≈ HK$18.62M (deposit + AVD stamp duty HK$1,458,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,057
−HK$4,703/mo
▼ 0.25% · 3.875%
HK$89,392
−HK$2,368/mo
Today · 4.125%
HK$91,760
baseline
▲ 0.50% · 4.625%
HK$96,597
+HK$4,837/mo
Deposit HK$17.16M · loan HK$17.16M · min. income ≈ HK$183,520/mo (50% DSR)
Upfront cash ≈ HK$18.62M (deposit + AVD stamp duty HK$1,458,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,905
−HK$5,888/mo
▼ 0.25% · 3.875%
HK$96,826
−HK$2,967/mo
Today · 4.125%
HK$99,793
baseline
▲ 0.50% · 4.625%
HK$105,866
+HK$6,073/mo
Deposit HK$13.73M · loan HK$20.59M · min. income ≈ HK$199,586/mo (50% DSR)
Upfront cash ≈ HK$15.19M (deposit + AVD stamp duty HK$1,458,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,468
−HK$5,644/mo
▼ 0.25% · 3.875%
HK$107,270
−HK$2,842/mo
Today · 4.125%
HK$110,112
baseline
▲ 0.50% · 4.625%
HK$115,916
+HK$5,804/mo
Deposit HK$13.73M · loan HK$20.59M · min. income ≈ HK$220,224/mo (50% DSR)
Upfront cash ≈ HK$15.19M (deposit + AVD stamp duty HK$1,458,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,556
−HK$6,870/mo
▼ 0.25% · 3.875%
HK$112,963
−HK$3,463/mo
Today · 4.125%
HK$116,426
baseline
▲ 0.50% · 4.625%
HK$123,510
+HK$7,084/mo
Deposit HK$10.30M · loan HK$24.02M · min. income ≈ HK$232,852/mo (50% DSR)
Upfront cash ≈ HK$11.75M (deposit + AVD stamp duty HK$1,458,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,879
−HK$6,585/mo
▼ 0.25% · 3.875%
HK$125,148
−HK$3,316/mo
Today · 4.125%
HK$128,464
baseline
▲ 0.50% · 4.625%
HK$135,236
+HK$6,772/mo
Deposit HK$10.30M · loan HK$24.02M · min. income ≈ HK$256,928/mo (50% DSR)
Upfront cash ≈ HK$11.75M (deposit + AVD stamp duty HK$1,458,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,857
−HK$8,833/mo
▼ 0.25% · 3.875%
HK$145,239
−HK$4,451/mo
Today · 4.125%
HK$149,690
baseline
▲ 0.50% · 4.625%
HK$158,798
+HK$9,108/mo
Deposit HK$3.43M · loan HK$30.89M · min. income ≈ HK$299,380/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$1,458,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,702
−HK$8,466/mo
▼ 0.25% · 3.875%
HK$160,905
−HK$4,263/mo
Today · 4.125%
HK$165,168
baseline
▲ 0.50% · 4.625%
HK$173,874
+HK$8,706/mo
Deposit HK$3.43M · loan HK$30.89M · min. income ≈ HK$330,336/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$1,458,517 · Scale 2, in force from 26 Feb 2026)