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$78,462
−HK$4,921/mo
▼ 0.25% · 3.875%
HK$80,903
−HK$2,480/mo
Today · 4.125%
HK$83,383
baseline
▲ 0.50% · 4.625%
HK$88,456
+HK$5,073/mo
Deposit HK$17.20M · loan HK$17.20M · min. income ≈ HK$166,766/mo (50% DSR)
Upfront cash ≈ HK$18.67M (deposit + AVD stamp duty HK$1,462,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,289
−HK$4,715/mo
▼ 0.25% · 3.875%
HK$89,630
−HK$2,374/mo
Today · 4.125%
HK$92,004
baseline
▲ 0.50% · 4.625%
HK$96,854
+HK$4,850/mo
Deposit HK$17.20M · loan HK$17.20M · min. income ≈ HK$184,008/mo (50% DSR)
Upfront cash ≈ HK$18.67M (deposit + AVD stamp duty HK$1,462,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,155
−HK$5,904/mo
▼ 0.25% · 3.875%
HK$97,084
−HK$2,975/mo
Today · 4.125%
HK$100,059
baseline
▲ 0.50% · 4.625%
HK$106,147
+HK$6,088/mo
Deposit HK$13.76M · loan HK$20.65M · min. income ≈ HK$200,118/mo (50% DSR)
Upfront cash ≈ HK$15.23M (deposit + AVD stamp duty HK$1,462,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,746
−HK$5,659/mo
▼ 0.25% · 3.875%
HK$107,555
−HK$2,850/mo
Today · 4.125%
HK$110,405
baseline
▲ 0.50% · 4.625%
HK$116,225
+HK$5,820/mo
Deposit HK$13.76M · loan HK$20.65M · min. income ≈ HK$220,810/mo (50% DSR)
Upfront cash ≈ HK$15.23M (deposit + AVD stamp duty HK$1,462,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,847
−HK$6,889/mo
▼ 0.25% · 3.875%
HK$113,264
−HK$3,472/mo
Today · 4.125%
HK$116,736
baseline
▲ 0.50% · 4.625%
HK$123,839
+HK$7,103/mo
Deposit HK$10.32M · loan HK$24.09M · min. income ≈ HK$233,472/mo (50% DSR)
Upfront cash ≈ HK$11.79M (deposit + AVD stamp duty HK$1,462,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,204
−HK$6,602/mo
▼ 0.25% · 3.875%
HK$125,481
−HK$3,325/mo
Today · 4.125%
HK$128,806
baseline
▲ 0.50% · 4.625%
HK$135,596
+HK$6,790/mo
Deposit HK$10.32M · loan HK$24.09M · min. income ≈ HK$257,612/mo (50% DSR)
Upfront cash ≈ HK$11.79M (deposit + AVD stamp duty HK$1,462,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,232
−HK$8,857/mo
▼ 0.25% · 3.875%
HK$145,625
−HK$4,464/mo
Today · 4.125%
HK$150,089
baseline
▲ 0.50% · 4.625%
HK$159,221
+HK$9,132/mo
Deposit HK$3.44M · loan HK$30.97M · min. income ≈ HK$300,178/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$1,462,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,119
−HK$8,489/mo
▼ 0.25% · 3.875%
HK$161,333
−HK$4,275/mo
Today · 4.125%
HK$165,608
baseline
▲ 0.50% · 4.625%
HK$174,337
+HK$8,729/mo
Deposit HK$3.44M · loan HK$30.97M · min. income ≈ HK$331,216/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$1,462,401 · Scale 2, in force from 26 Feb 2026)