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$78,118
−HK$4,899/mo
▼ 0.25% · 3.875%
HK$80,548
−HK$2,469/mo
Today · 4.125%
HK$83,017
baseline
▲ 0.50% · 4.625%
HK$88,068
+HK$5,051/mo
Deposit HK$17.13M · loan HK$17.13M · min. income ≈ HK$166,034/mo (50% DSR)
Upfront cash ≈ HK$18.59M (deposit + AVD stamp duty HK$1,455,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,906
−HK$4,695/mo
▼ 0.25% · 3.875%
HK$89,236
−HK$2,365/mo
Today · 4.125%
HK$91,601
baseline
▲ 0.50% · 4.625%
HK$96,429
+HK$4,828/mo
Deposit HK$17.13M · loan HK$17.13M · min. income ≈ HK$183,202/mo (50% DSR)
Upfront cash ≈ HK$18.59M (deposit + AVD stamp duty HK$1,455,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,742
−HK$5,878/mo
▼ 0.25% · 3.875%
HK$96,658
−HK$2,962/mo
Today · 4.125%
HK$99,620
baseline
▲ 0.50% · 4.625%
HK$105,682
+HK$6,062/mo
Deposit HK$13.70M · loan HK$20.56M · min. income ≈ HK$199,240/mo (50% DSR)
Upfront cash ≈ HK$15.16M (deposit + AVD stamp duty HK$1,455,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,287
−HK$5,634/mo
▼ 0.25% · 3.875%
HK$107,084
−HK$2,837/mo
Today · 4.125%
HK$109,921
baseline
▲ 0.50% · 4.625%
HK$115,715
+HK$5,794/mo
Deposit HK$13.70M · loan HK$20.56M · min. income ≈ HK$219,842/mo (50% DSR)
Upfront cash ≈ HK$15.16M (deposit + AVD stamp duty HK$1,455,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,365
−HK$6,859/mo
▼ 0.25% · 3.875%
HK$112,767
−HK$3,457/mo
Today · 4.125%
HK$116,224
baseline
▲ 0.50% · 4.625%
HK$123,295
+HK$7,071/mo
Deposit HK$10.28M · loan HK$23.98M · min. income ≈ HK$232,448/mo (50% DSR)
Upfront cash ≈ HK$11.73M (deposit + AVD stamp duty HK$1,455,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,668
−HK$6,573/mo
▼ 0.25% · 3.875%
HK$124,931
−HK$3,310/mo
Today · 4.125%
HK$128,241
baseline
▲ 0.50% · 4.625%
HK$135,001
+HK$6,760/mo
Deposit HK$10.28M · loan HK$23.98M · min. income ≈ HK$256,482/mo (50% DSR)
Upfront cash ≈ HK$11.73M (deposit + AVD stamp duty HK$1,455,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,613
−HK$8,817/mo
▼ 0.25% · 3.875%
HK$144,986
−HK$4,444/mo
Today · 4.125%
HK$149,430
baseline
▲ 0.50% · 4.625%
HK$158,523
+HK$9,093/mo
Deposit HK$3.43M · loan HK$30.83M · min. income ≈ HK$298,860/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$1,455,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,430
−HK$8,452/mo
▼ 0.25% · 3.875%
HK$160,625
−HK$4,257/mo
Today · 4.125%
HK$164,882
baseline
▲ 0.50% · 4.625%
HK$173,573
+HK$8,691/mo
Deposit HK$3.43M · loan HK$30.83M · min. income ≈ HK$329,764/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$1,455,985 · Scale 2, in force from 26 Feb 2026)