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$78,339
−HK$4,912/mo
▼ 0.25% · 3.875%
HK$80,776
−HK$2,475/mo
Today · 4.125%
HK$83,251
baseline
▲ 0.50% · 4.625%
HK$88,317
+HK$5,066/mo
Deposit HK$17.18M · loan HK$17.18M · min. income ≈ HK$166,502/mo (50% DSR)
Upfront cash ≈ HK$18.64M (deposit + AVD stamp duty HK$1,460,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,151
−HK$4,709/mo
▼ 0.25% · 3.875%
HK$89,488
−HK$2,372/mo
Today · 4.125%
HK$91,860
baseline
▲ 0.50% · 4.625%
HK$96,702
+HK$4,842/mo
Deposit HK$17.18M · loan HK$17.18M · min. income ≈ HK$183,720/mo (50% DSR)
Upfront cash ≈ HK$18.64M (deposit + AVD stamp duty HK$1,460,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,007
−HK$5,895/mo
▼ 0.25% · 3.875%
HK$96,931
−HK$2,971/mo
Today · 4.125%
HK$99,902
baseline
▲ 0.50% · 4.625%
HK$105,980
+HK$6,078/mo
Deposit HK$13.74M · loan HK$20.61M · min. income ≈ HK$199,804/mo (50% DSR)
Upfront cash ≈ HK$15.20M (deposit + AVD stamp duty HK$1,460,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,581
−HK$5,651/mo
▼ 0.25% · 3.875%
HK$107,386
−HK$2,846/mo
Today · 4.125%
HK$110,232
baseline
▲ 0.50% · 4.625%
HK$116,042
+HK$5,810/mo
Deposit HK$13.74M · loan HK$20.61M · min. income ≈ HK$220,464/mo (50% DSR)
Upfront cash ≈ HK$15.20M (deposit + AVD stamp duty HK$1,460,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,674
−HK$6,878/mo
▼ 0.25% · 3.875%
HK$113,086
−HK$3,466/mo
Today · 4.125%
HK$116,552
baseline
▲ 0.50% · 4.625%
HK$123,644
+HK$7,092/mo
Deposit HK$10.31M · loan HK$24.05M · min. income ≈ HK$233,104/mo (50% DSR)
Upfront cash ≈ HK$11.77M (deposit + AVD stamp duty HK$1,460,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,012
−HK$6,591/mo
▼ 0.25% · 3.875%
HK$125,284
−HK$3,319/mo
Today · 4.125%
HK$128,603
baseline
▲ 0.50% · 4.625%
HK$135,382
+HK$6,779/mo
Deposit HK$10.31M · loan HK$24.05M · min. income ≈ HK$257,206/mo (50% DSR)
Upfront cash ≈ HK$11.77M (deposit + AVD stamp duty HK$1,460,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,010
−HK$8,842/mo
▼ 0.25% · 3.875%
HK$145,396
−HK$4,456/mo
Today · 4.125%
HK$149,852
baseline
▲ 0.50% · 4.625%
HK$158,971
+HK$9,119/mo
Deposit HK$3.44M · loan HK$30.92M · min. income ≈ HK$299,704/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$1,460,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,872
−HK$8,475/mo
▼ 0.25% · 3.875%
HK$161,079
−HK$4,268/mo
Today · 4.125%
HK$165,347
baseline
▲ 0.50% · 4.625%
HK$174,063
+HK$8,716/mo
Deposit HK$3.44M · loan HK$30.92M · min. income ≈ HK$330,694/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$1,460,098 · Scale 2, in force from 26 Feb 2026)