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$78,459
−HK$4,920/mo
▼ 0.25% · 3.875%
HK$80,899
−HK$2,480/mo
Today · 4.125%
HK$83,379
baseline
▲ 0.50% · 4.625%
HK$88,452
+HK$5,073/mo
Deposit HK$17.20M · loan HK$17.20M · min. income ≈ HK$166,758/mo (50% DSR)
Upfront cash ≈ HK$18.67M (deposit + AVD stamp duty HK$1,462,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,284
−HK$4,716/mo
▼ 0.25% · 3.875%
HK$89,625
−HK$2,375/mo
Today · 4.125%
HK$92,000
baseline
▲ 0.50% · 4.625%
HK$96,849
+HK$4,849/mo
Deposit HK$17.20M · loan HK$17.20M · min. income ≈ HK$184,000/mo (50% DSR)
Upfront cash ≈ HK$18.67M (deposit + AVD stamp duty HK$1,462,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,150
−HK$5,904/mo
▼ 0.25% · 3.875%
HK$97,079
−HK$2,975/mo
Today · 4.125%
HK$100,054
baseline
▲ 0.50% · 4.625%
HK$106,142
+HK$6,088/mo
Deposit HK$13.76M · loan HK$20.64M · min. income ≈ HK$200,108/mo (50% DSR)
Upfront cash ≈ HK$15.23M (deposit + AVD stamp duty HK$1,462,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,741
−HK$5,659/mo
▼ 0.25% · 3.875%
HK$107,550
−HK$2,850/mo
Today · 4.125%
HK$110,400
baseline
▲ 0.50% · 4.625%
HK$116,219
+HK$5,819/mo
Deposit HK$13.76M · loan HK$20.64M · min. income ≈ HK$220,800/mo (50% DSR)
Upfront cash ≈ HK$15.23M (deposit + AVD stamp duty HK$1,462,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,842
−HK$6,888/mo
▼ 0.25% · 3.875%
HK$113,259
−HK$3,471/mo
Today · 4.125%
HK$116,730
baseline
▲ 0.50% · 4.625%
HK$123,833
+HK$7,103/mo
Deposit HK$10.32M · loan HK$24.09M · min. income ≈ HK$233,460/mo (50% DSR)
Upfront cash ≈ HK$11.78M (deposit + AVD stamp duty HK$1,462,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,198
−HK$6,602/mo
▼ 0.25% · 3.875%
HK$125,475
−HK$3,325/mo
Today · 4.125%
HK$128,800
baseline
▲ 0.50% · 4.625%
HK$135,589
+HK$6,789/mo
Deposit HK$10.32M · loan HK$24.09M · min. income ≈ HK$257,600/mo (50% DSR)
Upfront cash ≈ HK$11.78M (deposit + AVD stamp duty HK$1,462,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,225
−HK$8,856/mo
▼ 0.25% · 3.875%
HK$145,618
−HK$4,463/mo
Today · 4.125%
HK$150,081
baseline
▲ 0.50% · 4.625%
HK$159,213
+HK$9,132/mo
Deposit HK$3.44M · loan HK$30.97M · min. income ≈ HK$300,162/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$1,462,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,112
−HK$8,488/mo
▼ 0.25% · 3.875%
HK$161,325
−HK$4,275/mo
Today · 4.125%
HK$165,600
baseline
▲ 0.50% · 4.625%
HK$174,329
+HK$8,729/mo
Deposit HK$3.44M · loan HK$30.97M · min. income ≈ HK$331,200/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$1,462,330 · Scale 2, in force from 26 Feb 2026)