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$78,445
−HK$4,919/mo
▼ 0.25% · 3.875%
HK$80,885
−HK$2,479/mo
Today · 4.125%
HK$83,364
baseline
▲ 0.50% · 4.625%
HK$88,437
+HK$5,073/mo
Deposit HK$17.20M · loan HK$17.20M · min. income ≈ HK$166,728/mo (50% DSR)
Upfront cash ≈ HK$18.66M (deposit + AVD stamp duty HK$1,462,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,269
−HK$4,715/mo
▼ 0.25% · 3.875%
HK$89,610
−HK$2,374/mo
Today · 4.125%
HK$91,984
baseline
▲ 0.50% · 4.625%
HK$96,833
+HK$4,849/mo
Deposit HK$17.20M · loan HK$17.20M · min. income ≈ HK$183,968/mo (50% DSR)
Upfront cash ≈ HK$18.66M (deposit + AVD stamp duty HK$1,462,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,134
−HK$5,903/mo
▼ 0.25% · 3.875%
HK$97,062
−HK$2,975/mo
Today · 4.125%
HK$100,037
baseline
▲ 0.50% · 4.625%
HK$106,124
+HK$6,087/mo
Deposit HK$13.76M · loan HK$20.64M · min. income ≈ HK$200,074/mo (50% DSR)
Upfront cash ≈ HK$15.22M (deposit + AVD stamp duty HK$1,462,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,723
−HK$5,658/mo
▼ 0.25% · 3.875%
HK$107,532
−HK$2,849/mo
Today · 4.125%
HK$110,381
baseline
▲ 0.50% · 4.625%
HK$116,199
+HK$5,818/mo
Deposit HK$13.76M · loan HK$20.64M · min. income ≈ HK$220,762/mo (50% DSR)
Upfront cash ≈ HK$15.22M (deposit + AVD stamp duty HK$1,462,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,823
−HK$6,887/mo
▼ 0.25% · 3.875%
HK$113,239
−HK$3,471/mo
Today · 4.125%
HK$116,710
baseline
▲ 0.50% · 4.625%
HK$123,811
+HK$7,101/mo
Deposit HK$10.32M · loan HK$24.08M · min. income ≈ HK$233,420/mo (50% DSR)
Upfront cash ≈ HK$11.78M (deposit + AVD stamp duty HK$1,462,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,177
−HK$6,601/mo
▼ 0.25% · 3.875%
HK$125,454
−HK$3,324/mo
Today · 4.125%
HK$128,778
baseline
▲ 0.50% · 4.625%
HK$135,566
+HK$6,788/mo
Deposit HK$10.32M · loan HK$24.08M · min. income ≈ HK$257,556/mo (50% DSR)
Upfront cash ≈ HK$11.78M (deposit + AVD stamp duty HK$1,462,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,201
−HK$8,855/mo
▼ 0.25% · 3.875%
HK$145,593
−HK$4,463/mo
Today · 4.125%
HK$150,056
baseline
▲ 0.50% · 4.625%
HK$159,186
+HK$9,130/mo
Deposit HK$3.44M · loan HK$30.96M · min. income ≈ HK$300,112/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$1,462,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,085
−HK$8,486/mo
▼ 0.25% · 3.875%
HK$161,298
−HK$4,273/mo
Today · 4.125%
HK$165,571
baseline
▲ 0.50% · 4.625%
HK$174,299
+HK$8,728/mo
Deposit HK$3.44M · loan HK$30.96M · min. income ≈ HK$331,142/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$1,462,078 · Scale 2, in force from 26 Feb 2026)