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$78,441
−HK$4,919/mo
▼ 0.25% · 3.875%
HK$80,881
−HK$2,479/mo
Today · 4.125%
HK$83,360
baseline
▲ 0.50% · 4.625%
HK$88,432
+HK$5,072/mo
Deposit HK$17.20M · loan HK$17.20M · min. income ≈ HK$166,720/mo (50% DSR)
Upfront cash ≈ HK$18.66M (deposit + AVD stamp duty HK$1,461,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,264
−HK$4,715/mo
▼ 0.25% · 3.875%
HK$89,605
−HK$2,374/mo
Today · 4.125%
HK$91,979
baseline
▲ 0.50% · 4.625%
HK$96,827
+HK$4,848/mo
Deposit HK$17.20M · loan HK$17.20M · min. income ≈ HK$183,958/mo (50% DSR)
Upfront cash ≈ HK$18.66M (deposit + AVD stamp duty HK$1,461,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,129
−HK$5,902/mo
▼ 0.25% · 3.875%
HK$97,057
−HK$2,974/mo
Today · 4.125%
HK$100,031
baseline
▲ 0.50% · 4.625%
HK$106,118
+HK$6,087/mo
Deposit HK$13.76M · loan HK$20.64M · min. income ≈ HK$200,062/mo (50% DSR)
Upfront cash ≈ HK$15.22M (deposit + AVD stamp duty HK$1,461,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,717
−HK$5,658/mo
▼ 0.25% · 3.875%
HK$107,526
−HK$2,849/mo
Today · 4.125%
HK$110,375
baseline
▲ 0.50% · 4.625%
HK$116,193
+HK$5,818/mo
Deposit HK$13.76M · loan HK$20.64M · min. income ≈ HK$220,750/mo (50% DSR)
Upfront cash ≈ HK$15.22M (deposit + AVD stamp duty HK$1,461,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,817
−HK$6,886/mo
▼ 0.25% · 3.875%
HK$113,233
−HK$3,470/mo
Today · 4.125%
HK$116,703
baseline
▲ 0.50% · 4.625%
HK$123,804
+HK$7,101/mo
Deposit HK$10.32M · loan HK$24.08M · min. income ≈ HK$233,406/mo (50% DSR)
Upfront cash ≈ HK$11.78M (deposit + AVD stamp duty HK$1,461,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,170
−HK$6,601/mo
▼ 0.25% · 3.875%
HK$125,447
−HK$3,324/mo
Today · 4.125%
HK$128,771
baseline
▲ 0.50% · 4.625%
HK$135,558
+HK$6,787/mo
Deposit HK$10.32M · loan HK$24.08M · min. income ≈ HK$257,542/mo (50% DSR)
Upfront cash ≈ HK$11.78M (deposit + AVD stamp duty HK$1,461,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,193
−HK$8,854/mo
▼ 0.25% · 3.875%
HK$145,585
−HK$4,462/mo
Today · 4.125%
HK$150,047
baseline
▲ 0.50% · 4.625%
HK$159,177
+HK$9,130/mo
Deposit HK$3.44M · loan HK$30.96M · min. income ≈ HK$300,094/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$1,461,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,076
−HK$8,486/mo
▼ 0.25% · 3.875%
HK$161,289
−HK$4,273/mo
Today · 4.125%
HK$165,562
baseline
▲ 0.50% · 4.625%
HK$174,289
+HK$8,727/mo
Deposit HK$3.44M · loan HK$30.96M · min. income ≈ HK$331,124/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$1,461,996 · Scale 2, in force from 26 Feb 2026)