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$78,164
−HK$4,902/mo
▼ 0.25% · 3.875%
HK$80,596
−HK$2,470/mo
Today · 4.125%
HK$83,066
baseline
▲ 0.50% · 4.625%
HK$88,120
+HK$5,054/mo
Deposit HK$17.14M · loan HK$17.14M · min. income ≈ HK$166,132/mo (50% DSR)
Upfront cash ≈ HK$18.60M (deposit + AVD stamp duty HK$1,456,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,957
−HK$4,698/mo
▼ 0.25% · 3.875%
HK$89,289
−HK$2,366/mo
Today · 4.125%
HK$91,655
baseline
▲ 0.50% · 4.625%
HK$96,486
+HK$4,831/mo
Deposit HK$17.14M · loan HK$17.14M · min. income ≈ HK$183,310/mo (50% DSR)
Upfront cash ≈ HK$18.60M (deposit + AVD stamp duty HK$1,456,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,797
−HK$5,882/mo
▼ 0.25% · 3.875%
HK$96,715
−HK$2,964/mo
Today · 4.125%
HK$99,679
baseline
▲ 0.50% · 4.625%
HK$105,744
+HK$6,065/mo
Deposit HK$13.71M · loan HK$20.57M · min. income ≈ HK$199,358/mo (50% DSR)
Upfront cash ≈ HK$15.17M (deposit + AVD stamp duty HK$1,456,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,348
−HK$5,638/mo
▼ 0.25% · 3.875%
HK$107,147
−HK$2,839/mo
Today · 4.125%
HK$109,986
baseline
▲ 0.50% · 4.625%
HK$115,783
+HK$5,797/mo
Deposit HK$13.71M · loan HK$20.57M · min. income ≈ HK$219,972/mo (50% DSR)
Upfront cash ≈ HK$15.17M (deposit + AVD stamp duty HK$1,456,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,430
−HK$6,862/mo
▼ 0.25% · 3.875%
HK$112,834
−HK$3,458/mo
Today · 4.125%
HK$116,292
baseline
▲ 0.50% · 4.625%
HK$123,368
+HK$7,076/mo
Deposit HK$10.28M · loan HK$24.00M · min. income ≈ HK$232,584/mo (50% DSR)
Upfront cash ≈ HK$11.74M (deposit + AVD stamp duty HK$1,456,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,740
−HK$6,577/mo
▼ 0.25% · 3.875%
HK$125,005
−HK$3,312/mo
Today · 4.125%
HK$128,317
baseline
▲ 0.50% · 4.625%
HK$135,081
+HK$6,764/mo
Deposit HK$10.28M · loan HK$24.00M · min. income ≈ HK$256,634/mo (50% DSR)
Upfront cash ≈ HK$11.74M (deposit + AVD stamp duty HK$1,456,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,696
−HK$8,822/mo
▼ 0.25% · 3.875%
HK$145,072
−HK$4,446/mo
Today · 4.125%
HK$149,518
baseline
▲ 0.50% · 4.625%
HK$158,616
+HK$9,098/mo
Deposit HK$3.43M · loan HK$30.85M · min. income ≈ HK$299,036/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$1,456,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,522
−HK$8,457/mo
▼ 0.25% · 3.875%
HK$160,720
−HK$4,259/mo
Today · 4.125%
HK$164,979
baseline
▲ 0.50% · 4.625%
HK$173,675
+HK$8,696/mo
Deposit HK$3.43M · loan HK$30.85M · min. income ≈ HK$329,958/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$1,456,845 · Scale 2, in force from 26 Feb 2026)