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$78,243
−HK$4,907/mo
▼ 0.25% · 3.875%
HK$80,677
−HK$2,473/mo
Today · 4.125%
HK$83,150
baseline
▲ 0.50% · 4.625%
HK$88,209
+HK$5,059/mo
Deposit HK$17.16M · loan HK$17.16M · min. income ≈ HK$166,300/mo (50% DSR)
Upfront cash ≈ HK$18.61M (deposit + AVD stamp duty HK$1,458,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,045
−HK$4,702/mo
▼ 0.25% · 3.875%
HK$89,379
−HK$2,368/mo
Today · 4.125%
HK$91,747
baseline
▲ 0.50% · 4.625%
HK$96,583
+HK$4,836/mo
Deposit HK$17.16M · loan HK$17.16M · min. income ≈ HK$183,494/mo (50% DSR)
Upfront cash ≈ HK$18.61M (deposit + AVD stamp duty HK$1,458,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,892
−HK$5,887/mo
▼ 0.25% · 3.875%
HK$96,812
−HK$2,967/mo
Today · 4.125%
HK$99,779
baseline
▲ 0.50% · 4.625%
HK$105,851
+HK$6,072/mo
Deposit HK$13.73M · loan HK$20.59M · min. income ≈ HK$199,558/mo (50% DSR)
Upfront cash ≈ HK$15.18M (deposit + AVD stamp duty HK$1,458,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,453
−HK$5,644/mo
▼ 0.25% · 3.875%
HK$107,255
−HK$2,842/mo
Today · 4.125%
HK$110,097
baseline
▲ 0.50% · 4.625%
HK$115,900
+HK$5,803/mo
Deposit HK$13.73M · loan HK$20.59M · min. income ≈ HK$220,194/mo (50% DSR)
Upfront cash ≈ HK$15.18M (deposit + AVD stamp duty HK$1,458,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,540
−HK$6,869/mo
▼ 0.25% · 3.875%
HK$112,947
−HK$3,462/mo
Today · 4.125%
HK$116,409
baseline
▲ 0.50% · 4.625%
HK$123,493
+HK$7,084/mo
Deposit HK$10.29M · loan HK$24.02M · min. income ≈ HK$232,818/mo (50% DSR)
Upfront cash ≈ HK$11.75M (deposit + AVD stamp duty HK$1,458,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,862
−HK$6,584/mo
▼ 0.25% · 3.875%
HK$125,131
−HK$3,315/mo
Today · 4.125%
HK$128,446
baseline
▲ 0.50% · 4.625%
HK$135,217
+HK$6,771/mo
Deposit HK$10.29M · loan HK$24.02M · min. income ≈ HK$256,892/mo (50% DSR)
Upfront cash ≈ HK$11.75M (deposit + AVD stamp duty HK$1,458,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,837
−HK$8,832/mo
▼ 0.25% · 3.875%
HK$145,218
−HK$4,451/mo
Today · 4.125%
HK$149,669
baseline
▲ 0.50% · 4.625%
HK$158,776
+HK$9,107/mo
Deposit HK$3.43M · loan HK$30.88M · min. income ≈ HK$299,338/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$1,458,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,680
−HK$8,465/mo
▼ 0.25% · 3.875%
HK$160,882
−HK$4,263/mo
Today · 4.125%
HK$165,145
baseline
▲ 0.50% · 4.625%
HK$173,850
+HK$8,705/mo
Deposit HK$3.43M · loan HK$30.88M · min. income ≈ HK$330,290/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$1,458,313 · Scale 2, in force from 26 Feb 2026)