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$78,501
−HK$4,923/mo
▼ 0.25% · 3.875%
HK$80,943
−HK$2,481/mo
Today · 4.125%
HK$83,424
baseline
▲ 0.50% · 4.625%
HK$88,500
+HK$5,076/mo
Deposit HK$17.21M · loan HK$17.21M · min. income ≈ HK$166,848/mo (50% DSR)
Upfront cash ≈ HK$18.68M (deposit + AVD stamp duty HK$1,463,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,332
−HK$4,718/mo
▼ 0.25% · 3.875%
HK$89,674
−HK$2,376/mo
Today · 4.125%
HK$92,050
baseline
▲ 0.50% · 4.625%
HK$96,902
+HK$4,852/mo
Deposit HK$17.21M · loan HK$17.21M · min. income ≈ HK$184,100/mo (50% DSR)
Upfront cash ≈ HK$18.68M (deposit + AVD stamp duty HK$1,463,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,202
−HK$5,907/mo
▼ 0.25% · 3.875%
HK$97,132
−HK$2,977/mo
Today · 4.125%
HK$100,109
baseline
▲ 0.50% · 4.625%
HK$106,200
+HK$6,091/mo
Deposit HK$13.77M · loan HK$20.66M · min. income ≈ HK$200,218/mo (50% DSR)
Upfront cash ≈ HK$15.23M (deposit + AVD stamp duty HK$1,463,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,798
−HK$5,662/mo
▼ 0.25% · 3.875%
HK$107,609
−HK$2,851/mo
Today · 4.125%
HK$110,460
baseline
▲ 0.50% · 4.625%
HK$116,283
+HK$5,823/mo
Deposit HK$13.77M · loan HK$20.66M · min. income ≈ HK$220,920/mo (50% DSR)
Upfront cash ≈ HK$15.23M (deposit + AVD stamp duty HK$1,463,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,902
−HK$6,892/mo
▼ 0.25% · 3.875%
HK$113,320
−HK$3,474/mo
Today · 4.125%
HK$116,794
baseline
▲ 0.50% · 4.625%
HK$123,900
+HK$7,106/mo
Deposit HK$10.33M · loan HK$24.10M · min. income ≈ HK$233,588/mo (50% DSR)
Upfront cash ≈ HK$11.79M (deposit + AVD stamp duty HK$1,463,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,265
−HK$6,605/mo
▼ 0.25% · 3.875%
HK$125,544
−HK$3,326/mo
Today · 4.125%
HK$128,870
baseline
▲ 0.50% · 4.625%
HK$135,663
+HK$6,793/mo
Deposit HK$10.33M · loan HK$24.10M · min. income ≈ HK$257,740/mo (50% DSR)
Upfront cash ≈ HK$11.79M (deposit + AVD stamp duty HK$1,463,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,302
−HK$8,861/mo
▼ 0.25% · 3.875%
HK$145,698
−HK$4,465/mo
Today · 4.125%
HK$150,163
baseline
▲ 0.50% · 4.625%
HK$159,300
+HK$9,137/mo
Deposit HK$3.44M · loan HK$30.98M · min. income ≈ HK$300,326/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$1,463,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,197
−HK$8,493/mo
▼ 0.25% · 3.875%
HK$161,413
−HK$4,277/mo
Today · 4.125%
HK$165,690
baseline
▲ 0.50% · 4.625%
HK$174,424
+HK$8,734/mo
Deposit HK$3.44M · loan HK$30.98M · min. income ≈ HK$331,380/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$1,463,127 · Scale 2, in force from 26 Feb 2026)