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$78,448
−HK$4,920/mo
▼ 0.25% · 3.875%
HK$80,888
−HK$2,480/mo
Today · 4.125%
HK$83,368
baseline
▲ 0.50% · 4.625%
HK$88,440
+HK$5,072/mo
Deposit HK$17.20M · loan HK$17.20M · min. income ≈ HK$166,736/mo (50% DSR)
Upfront cash ≈ HK$18.66M (deposit + AVD stamp duty HK$1,462,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,273
−HK$4,715/mo
▼ 0.25% · 3.875%
HK$89,613
−HK$2,375/mo
Today · 4.125%
HK$91,988
baseline
▲ 0.50% · 4.625%
HK$96,837
+HK$4,849/mo
Deposit HK$17.20M · loan HK$17.20M · min. income ≈ HK$183,976/mo (50% DSR)
Upfront cash ≈ HK$18.66M (deposit + AVD stamp duty HK$1,462,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,138
−HK$5,903/mo
▼ 0.25% · 3.875%
HK$97,066
−HK$2,975/mo
Today · 4.125%
HK$100,041
baseline
▲ 0.50% · 4.625%
HK$106,128
+HK$6,087/mo
Deposit HK$13.76M · loan HK$20.64M · min. income ≈ HK$200,082/mo (50% DSR)
Upfront cash ≈ HK$15.22M (deposit + AVD stamp duty HK$1,462,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,727
−HK$5,659/mo
▼ 0.25% · 3.875%
HK$107,536
−HK$2,850/mo
Today · 4.125%
HK$110,386
baseline
▲ 0.50% · 4.625%
HK$116,204
+HK$5,818/mo
Deposit HK$13.76M · loan HK$20.64M · min. income ≈ HK$220,772/mo (50% DSR)
Upfront cash ≈ HK$15.22M (deposit + AVD stamp duty HK$1,462,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,828
−HK$6,887/mo
▼ 0.25% · 3.875%
HK$113,244
−HK$3,471/mo
Today · 4.125%
HK$116,715
baseline
▲ 0.50% · 4.625%
HK$123,817
+HK$7,102/mo
Deposit HK$10.32M · loan HK$24.08M · min. income ≈ HK$233,430/mo (50% DSR)
Upfront cash ≈ HK$11.78M (deposit + AVD stamp duty HK$1,462,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,182
−HK$6,601/mo
▼ 0.25% · 3.875%
HK$125,459
−HK$3,324/mo
Today · 4.125%
HK$128,783
baseline
▲ 0.50% · 4.625%
HK$135,571
+HK$6,788/mo
Deposit HK$10.32M · loan HK$24.08M · min. income ≈ HK$257,566/mo (50% DSR)
Upfront cash ≈ HK$11.78M (deposit + AVD stamp duty HK$1,462,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,207
−HK$8,855/mo
▼ 0.25% · 3.875%
HK$145,599
−HK$4,463/mo
Today · 4.125%
HK$150,062
baseline
▲ 0.50% · 4.625%
HK$159,193
+HK$9,131/mo
Deposit HK$3.44M · loan HK$30.96M · min. income ≈ HK$300,124/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$1,462,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,091
−HK$8,487/mo
▼ 0.25% · 3.875%
HK$161,304
−HK$4,274/mo
Today · 4.125%
HK$165,578
baseline
▲ 0.50% · 4.625%
HK$174,306
+HK$8,728/mo
Deposit HK$3.44M · loan HK$30.96M · min. income ≈ HK$331,156/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$1,462,139 · Scale 2, in force from 26 Feb 2026)