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$78,314
−HK$4,911/mo
▼ 0.25% · 3.875%
HK$80,750
−HK$2,475/mo
Today · 4.125%
HK$83,225
baseline
▲ 0.50% · 4.625%
HK$88,289
+HK$5,064/mo
Deposit HK$17.17M · loan HK$17.17M · min. income ≈ HK$166,450/mo (50% DSR)
Upfront cash ≈ HK$18.63M (deposit + AVD stamp duty HK$1,459,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,124
−HK$4,707/mo
▼ 0.25% · 3.875%
HK$89,460
−HK$2,371/mo
Today · 4.125%
HK$91,831
baseline
▲ 0.50% · 4.625%
HK$96,671
+HK$4,840/mo
Deposit HK$17.17M · loan HK$17.17M · min. income ≈ HK$183,662/mo (50% DSR)
Upfront cash ≈ HK$18.63M (deposit + AVD stamp duty HK$1,459,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,977
−HK$5,893/mo
▼ 0.25% · 3.875%
HK$96,900
−HK$2,970/mo
Today · 4.125%
HK$99,870
baseline
▲ 0.50% · 4.625%
HK$105,947
+HK$6,077/mo
Deposit HK$13.74M · loan HK$20.61M · min. income ≈ HK$199,740/mo (50% DSR)
Upfront cash ≈ HK$15.20M (deposit + AVD stamp duty HK$1,459,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,549
−HK$5,648/mo
▼ 0.25% · 3.875%
HK$107,353
−HK$2,844/mo
Today · 4.125%
HK$110,197
baseline
▲ 0.50% · 4.625%
HK$116,006
+HK$5,809/mo
Deposit HK$13.74M · loan HK$20.61M · min. income ≈ HK$220,394/mo (50% DSR)
Upfront cash ≈ HK$15.20M (deposit + AVD stamp duty HK$1,459,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,640
−HK$6,875/mo
▼ 0.25% · 3.875%
HK$113,050
−HK$3,465/mo
Today · 4.125%
HK$116,515
baseline
▲ 0.50% · 4.625%
HK$123,605
+HK$7,090/mo
Deposit HK$10.30M · loan HK$24.04M · min. income ≈ HK$233,030/mo (50% DSR)
Upfront cash ≈ HK$11.76M (deposit + AVD stamp duty HK$1,459,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,973
−HK$6,590/mo
▼ 0.25% · 3.875%
HK$125,245
−HK$3,318/mo
Today · 4.125%
HK$128,563
baseline
▲ 0.50% · 4.625%
HK$135,340
+HK$6,777/mo
Deposit HK$10.30M · loan HK$24.04M · min. income ≈ HK$257,126/mo (50% DSR)
Upfront cash ≈ HK$11.76M (deposit + AVD stamp duty HK$1,459,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,966
−HK$8,840/mo
▼ 0.25% · 3.875%
HK$145,351
−HK$4,455/mo
Today · 4.125%
HK$149,806
baseline
▲ 0.50% · 4.625%
HK$158,921
+HK$9,115/mo
Deposit HK$3.43M · loan HK$30.91M · min. income ≈ HK$299,612/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$1,459,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,823
−HK$8,473/mo
▼ 0.25% · 3.875%
HK$161,029
−HK$4,267/mo
Today · 4.125%
HK$165,296
baseline
▲ 0.50% · 4.625%
HK$174,009
+HK$8,713/mo
Deposit HK$3.43M · loan HK$30.91M · min. income ≈ HK$330,592/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$1,459,642 · Scale 2, in force from 26 Feb 2026)