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$78,143
−HK$4,900/mo
▼ 0.25% · 3.875%
HK$80,574
−HK$2,469/mo
Today · 4.125%
HK$83,043
baseline
▲ 0.50% · 4.625%
HK$88,096
+HK$5,053/mo
Deposit HK$17.13M · loan HK$17.13M · min. income ≈ HK$166,086/mo (50% DSR)
Upfront cash ≈ HK$18.59M (deposit + AVD stamp duty HK$1,456,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,933
−HK$4,697/mo
▼ 0.25% · 3.875%
HK$89,265
−HK$2,365/mo
Today · 4.125%
HK$91,630
baseline
▲ 0.50% · 4.625%
HK$96,460
+HK$4,830/mo
Deposit HK$17.13M · loan HK$17.13M · min. income ≈ HK$183,260/mo (50% DSR)
Upfront cash ≈ HK$18.59M (deposit + AVD stamp duty HK$1,456,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,772
−HK$5,880/mo
▼ 0.25% · 3.875%
HK$96,688
−HK$2,964/mo
Today · 4.125%
HK$99,652
baseline
▲ 0.50% · 4.625%
HK$105,716
+HK$6,064/mo
Deposit HK$13.71M · loan HK$20.56M · min. income ≈ HK$199,304/mo (50% DSR)
Upfront cash ≈ HK$15.16M (deposit + AVD stamp duty HK$1,456,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,320
−HK$5,636/mo
▼ 0.25% · 3.875%
HK$107,118
−HK$2,838/mo
Today · 4.125%
HK$109,956
baseline
▲ 0.50% · 4.625%
HK$115,752
+HK$5,796/mo
Deposit HK$13.71M · loan HK$20.56M · min. income ≈ HK$219,912/mo (50% DSR)
Upfront cash ≈ HK$15.16M (deposit + AVD stamp duty HK$1,456,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,400
−HK$6,861/mo
▼ 0.25% · 3.875%
HK$112,803
−HK$3,458/mo
Today · 4.125%
HK$116,261
baseline
▲ 0.50% · 4.625%
HK$123,335
+HK$7,074/mo
Deposit HK$10.28M · loan HK$23.99M · min. income ≈ HK$232,522/mo (50% DSR)
Upfront cash ≈ HK$11.74M (deposit + AVD stamp duty HK$1,456,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,707
−HK$6,575/mo
▼ 0.25% · 3.875%
HK$124,971
−HK$3,311/mo
Today · 4.125%
HK$128,282
baseline
▲ 0.50% · 4.625%
HK$135,044
+HK$6,762/mo
Deposit HK$10.28M · loan HK$23.99M · min. income ≈ HK$256,564/mo (50% DSR)
Upfront cash ≈ HK$11.74M (deposit + AVD stamp duty HK$1,456,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,657
−HK$8,821/mo
▼ 0.25% · 3.875%
HK$145,033
−HK$4,445/mo
Today · 4.125%
HK$149,478
baseline
▲ 0.50% · 4.625%
HK$158,573
+HK$9,095/mo
Deposit HK$3.43M · loan HK$30.84M · min. income ≈ HK$298,956/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$1,456,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,480
−HK$8,454/mo
▼ 0.25% · 3.875%
HK$160,677
−HK$4,257/mo
Today · 4.125%
HK$164,934
baseline
▲ 0.50% · 4.625%
HK$173,628
+HK$8,694/mo
Deposit HK$3.43M · loan HK$30.84M · min. income ≈ HK$329,868/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$1,456,450 · Scale 2, in force from 26 Feb 2026)