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$78,414
−HK$4,917/mo
▼ 0.25% · 3.875%
HK$80,853
−HK$2,478/mo
Today · 4.125%
HK$83,331
baseline
▲ 0.50% · 4.625%
HK$88,402
+HK$5,071/mo
Deposit HK$17.19M · loan HK$17.19M · min. income ≈ HK$166,662/mo (50% DSR)
Upfront cash ≈ HK$18.66M (deposit + AVD stamp duty HK$1,461,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,235
−HK$4,713/mo
▼ 0.25% · 3.875%
HK$89,574
−HK$2,374/mo
Today · 4.125%
HK$91,948
baseline
▲ 0.50% · 4.625%
HK$96,794
+HK$4,846/mo
Deposit HK$17.19M · loan HK$17.19M · min. income ≈ HK$183,896/mo (50% DSR)
Upfront cash ≈ HK$18.66M (deposit + AVD stamp duty HK$1,461,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,097
−HK$5,900/mo
▼ 0.25% · 3.875%
HK$97,023
−HK$2,974/mo
Today · 4.125%
HK$99,997
baseline
▲ 0.50% · 4.625%
HK$106,082
+HK$6,085/mo
Deposit HK$13.76M · loan HK$20.63M · min. income ≈ HK$199,994/mo (50% DSR)
Upfront cash ≈ HK$15.22M (deposit + AVD stamp duty HK$1,461,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,681
−HK$5,656/mo
▼ 0.25% · 3.875%
HK$107,489
−HK$2,848/mo
Today · 4.125%
HK$110,337
baseline
▲ 0.50% · 4.625%
HK$116,153
+HK$5,816/mo
Deposit HK$13.76M · loan HK$20.63M · min. income ≈ HK$220,674/mo (50% DSR)
Upfront cash ≈ HK$15.22M (deposit + AVD stamp duty HK$1,461,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,779
−HK$6,884/mo
▼ 0.25% · 3.875%
HK$113,194
−HK$3,469/mo
Today · 4.125%
HK$116,663
baseline
▲ 0.50% · 4.625%
HK$123,762
+HK$7,099/mo
Deposit HK$10.32M · loan HK$24.07M · min. income ≈ HK$233,326/mo (50% DSR)
Upfront cash ≈ HK$11.78M (deposit + AVD stamp duty HK$1,461,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,128
−HK$6,599/mo
▼ 0.25% · 3.875%
HK$125,404
−HK$3,323/mo
Today · 4.125%
HK$128,727
baseline
▲ 0.50% · 4.625%
HK$135,512
+HK$6,785/mo
Deposit HK$10.32M · loan HK$24.07M · min. income ≈ HK$257,454/mo (50% DSR)
Upfront cash ≈ HK$11.78M (deposit + AVD stamp duty HK$1,461,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,145
−HK$8,851/mo
▼ 0.25% · 3.875%
HK$145,535
−HK$4,461/mo
Today · 4.125%
HK$149,996
baseline
▲ 0.50% · 4.625%
HK$159,123
+HK$9,127/mo
Deposit HK$3.44M · loan HK$30.95M · min. income ≈ HK$299,992/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$1,461,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,022
−HK$8,484/mo
▼ 0.25% · 3.875%
HK$161,233
−HK$4,273/mo
Today · 4.125%
HK$165,506
baseline
▲ 0.50% · 4.625%
HK$174,230
+HK$8,724/mo
Deposit HK$3.44M · loan HK$30.95M · min. income ≈ HK$331,012/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$1,461,497 · Scale 2, in force from 26 Feb 2026)