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$78,255
−HK$4,908/mo
▼ 0.25% · 3.875%
HK$80,690
−HK$2,473/mo
Today · 4.125%
HK$83,163
baseline
▲ 0.50% · 4.625%
HK$88,223
+HK$5,060/mo
Deposit HK$17.16M · loan HK$17.16M · min. income ≈ HK$166,326/mo (50% DSR)
Upfront cash ≈ HK$18.62M (deposit + AVD stamp duty HK$1,458,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,058
−HK$4,704/mo
▼ 0.25% · 3.875%
HK$89,393
−HK$2,369/mo
Today · 4.125%
HK$91,762
baseline
▲ 0.50% · 4.625%
HK$96,599
+HK$4,837/mo
Deposit HK$17.16M · loan HK$17.16M · min. income ≈ HK$183,524/mo (50% DSR)
Upfront cash ≈ HK$18.62M (deposit + AVD stamp duty HK$1,458,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,907
−HK$5,888/mo
▼ 0.25% · 3.875%
HK$96,828
−HK$2,967/mo
Today · 4.125%
HK$99,795
baseline
▲ 0.50% · 4.625%
HK$105,868
+HK$6,073/mo
Deposit HK$13.73M · loan HK$20.59M · min. income ≈ HK$199,590/mo (50% DSR)
Upfront cash ≈ HK$15.19M (deposit + AVD stamp duty HK$1,458,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,470
−HK$5,644/mo
▼ 0.25% · 3.875%
HK$107,272
−HK$2,842/mo
Today · 4.125%
HK$110,114
baseline
▲ 0.50% · 4.625%
HK$115,919
+HK$5,805/mo
Deposit HK$13.73M · loan HK$20.59M · min. income ≈ HK$220,228/mo (50% DSR)
Upfront cash ≈ HK$15.19M (deposit + AVD stamp duty HK$1,458,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,558
−HK$6,870/mo
▼ 0.25% · 3.875%
HK$112,966
−HK$3,462/mo
Today · 4.125%
HK$116,428
baseline
▲ 0.50% · 4.625%
HK$123,512
+HK$7,084/mo
Deposit HK$10.30M · loan HK$24.02M · min. income ≈ HK$232,856/mo (50% DSR)
Upfront cash ≈ HK$11.75M (deposit + AVD stamp duty HK$1,458,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,882
−HK$6,585/mo
▼ 0.25% · 3.875%
HK$125,151
−HK$3,316/mo
Today · 4.125%
HK$128,467
baseline
▲ 0.50% · 4.625%
HK$135,238
+HK$6,771/mo
Deposit HK$10.30M · loan HK$24.02M · min. income ≈ HK$256,934/mo (50% DSR)
Upfront cash ≈ HK$11.75M (deposit + AVD stamp duty HK$1,458,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,860
−HK$8,833/mo
▼ 0.25% · 3.875%
HK$145,241
−HK$4,452/mo
Today · 4.125%
HK$149,693
baseline
▲ 0.50% · 4.625%
HK$158,801
+HK$9,108/mo
Deposit HK$3.43M · loan HK$30.89M · min. income ≈ HK$299,386/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$1,458,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,705
−HK$8,466/mo
▼ 0.25% · 3.875%
HK$160,908
−HK$4,263/mo
Today · 4.125%
HK$165,171
baseline
▲ 0.50% · 4.625%
HK$173,878
+HK$8,707/mo
Deposit HK$3.43M · loan HK$30.89M · min. income ≈ HK$330,342/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$1,458,546 · Scale 2, in force from 26 Feb 2026)