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$78,420
−HK$4,918/mo
▼ 0.25% · 3.875%
HK$80,859
−HK$2,479/mo
Today · 4.125%
HK$83,338
baseline
▲ 0.50% · 4.625%
HK$88,409
+HK$5,071/mo
Deposit HK$17.20M · loan HK$17.20M · min. income ≈ HK$166,676/mo (50% DSR)
Upfront cash ≈ HK$18.66M (deposit + AVD stamp duty HK$1,461,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,242
−HK$4,713/mo
▼ 0.25% · 3.875%
HK$89,581
−HK$2,374/mo
Today · 4.125%
HK$91,955
baseline
▲ 0.50% · 4.625%
HK$96,802
+HK$4,847/mo
Deposit HK$17.20M · loan HK$17.20M · min. income ≈ HK$183,910/mo (50% DSR)
Upfront cash ≈ HK$18.66M (deposit + AVD stamp duty HK$1,461,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,104
−HK$5,901/mo
▼ 0.25% · 3.875%
HK$97,031
−HK$2,974/mo
Today · 4.125%
HK$100,005
baseline
▲ 0.50% · 4.625%
HK$106,090
+HK$6,085/mo
Deposit HK$13.76M · loan HK$20.63M · min. income ≈ HK$200,010/mo (50% DSR)
Upfront cash ≈ HK$15.22M (deposit + AVD stamp duty HK$1,461,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,690
−HK$5,656/mo
▼ 0.25% · 3.875%
HK$107,498
−HK$2,848/mo
Today · 4.125%
HK$110,346
baseline
▲ 0.50% · 4.625%
HK$116,162
+HK$5,816/mo
Deposit HK$13.76M · loan HK$20.63M · min. income ≈ HK$220,692/mo (50% DSR)
Upfront cash ≈ HK$15.22M (deposit + AVD stamp duty HK$1,461,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,788
−HK$6,885/mo
▼ 0.25% · 3.875%
HK$113,203
−HK$3,470/mo
Today · 4.125%
HK$116,673
baseline
▲ 0.50% · 4.625%
HK$123,772
+HK$7,099/mo
Deposit HK$10.32M · loan HK$24.07M · min. income ≈ HK$233,346/mo (50% DSR)
Upfront cash ≈ HK$11.78M (deposit + AVD stamp duty HK$1,461,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,138
−HK$6,599/mo
▼ 0.25% · 3.875%
HK$125,414
−HK$3,323/mo
Today · 4.125%
HK$128,737
baseline
▲ 0.50% · 4.625%
HK$135,523
+HK$6,786/mo
Deposit HK$10.32M · loan HK$24.07M · min. income ≈ HK$257,474/mo (50% DSR)
Upfront cash ≈ HK$11.78M (deposit + AVD stamp duty HK$1,461,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,156
−HK$8,852/mo
▼ 0.25% · 3.875%
HK$145,547
−HK$4,461/mo
Today · 4.125%
HK$150,008
baseline
▲ 0.50% · 4.625%
HK$159,135
+HK$9,127/mo
Deposit HK$3.44M · loan HK$30.95M · min. income ≈ HK$300,016/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$1,461,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,035
−HK$8,484/mo
▼ 0.25% · 3.875%
HK$161,246
−HK$4,273/mo
Today · 4.125%
HK$165,519
baseline
▲ 0.50% · 4.625%
HK$174,244
+HK$8,725/mo
Deposit HK$3.44M · loan HK$30.95M · min. income ≈ HK$331,038/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$1,461,613 · Scale 2, in force from 26 Feb 2026)