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$78,252
−HK$4,907/mo
▼ 0.25% · 3.875%
HK$80,686
−HK$2,473/mo
Today · 4.125%
HK$83,159
baseline
▲ 0.50% · 4.625%
HK$88,219
+HK$5,060/mo
Deposit HK$17.16M · loan HK$17.16M · min. income ≈ HK$166,318/mo (50% DSR)
Upfront cash ≈ HK$18.62M (deposit + AVD stamp duty HK$1,458,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,055
−HK$4,703/mo
▼ 0.25% · 3.875%
HK$89,389
−HK$2,369/mo
Today · 4.125%
HK$91,758
baseline
▲ 0.50% · 4.625%
HK$96,595
+HK$4,837/mo
Deposit HK$17.16M · loan HK$17.16M · min. income ≈ HK$183,516/mo (50% DSR)
Upfront cash ≈ HK$18.62M (deposit + AVD stamp duty HK$1,458,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,902
−HK$5,889/mo
▼ 0.25% · 3.875%
HK$96,823
−HK$2,968/mo
Today · 4.125%
HK$99,791
baseline
▲ 0.50% · 4.625%
HK$105,863
+HK$6,072/mo
Deposit HK$13.73M · loan HK$20.59M · min. income ≈ HK$199,582/mo (50% DSR)
Upfront cash ≈ HK$15.19M (deposit + AVD stamp duty HK$1,458,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,466
−HK$5,643/mo
▼ 0.25% · 3.875%
HK$107,267
−HK$2,842/mo
Today · 4.125%
HK$110,109
baseline
▲ 0.50% · 4.625%
HK$115,914
+HK$5,805/mo
Deposit HK$13.73M · loan HK$20.59M · min. income ≈ HK$220,218/mo (50% DSR)
Upfront cash ≈ HK$15.19M (deposit + AVD stamp duty HK$1,458,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,553
−HK$6,870/mo
▼ 0.25% · 3.875%
HK$112,961
−HK$3,462/mo
Today · 4.125%
HK$116,423
baseline
▲ 0.50% · 4.625%
HK$123,507
+HK$7,084/mo
Deposit HK$10.30M · loan HK$24.02M · min. income ≈ HK$232,846/mo (50% DSR)
Upfront cash ≈ HK$11.75M (deposit + AVD stamp duty HK$1,458,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,876
−HK$6,585/mo
▼ 0.25% · 3.875%
HK$125,145
−HK$3,316/mo
Today · 4.125%
HK$128,461
baseline
▲ 0.50% · 4.625%
HK$135,232
+HK$6,771/mo
Deposit HK$10.30M · loan HK$24.02M · min. income ≈ HK$256,922/mo (50% DSR)
Upfront cash ≈ HK$11.75M (deposit + AVD stamp duty HK$1,458,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,854
−HK$8,832/mo
▼ 0.25% · 3.875%
HK$145,235
−HK$4,451/mo
Today · 4.125%
HK$149,686
baseline
▲ 0.50% · 4.625%
HK$158,795
+HK$9,109/mo
Deposit HK$3.43M · loan HK$30.89M · min. income ≈ HK$299,372/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$1,458,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,698
−HK$8,466/mo
▼ 0.25% · 3.875%
HK$160,901
−HK$4,263/mo
Today · 4.125%
HK$165,164
baseline
▲ 0.50% · 4.625%
HK$173,870
+HK$8,706/mo
Deposit HK$3.43M · loan HK$30.89M · min. income ≈ HK$330,328/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$1,458,482 · Scale 2, in force from 26 Feb 2026)