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$78,387
−HK$4,916/mo
▼ 0.25% · 3.875%
HK$80,825
−HK$2,478/mo
Today · 4.125%
HK$83,303
baseline
▲ 0.50% · 4.625%
HK$88,371
+HK$5,068/mo
Deposit HK$17.19M · loan HK$17.19M · min. income ≈ HK$166,606/mo (50% DSR)
Upfront cash ≈ HK$18.65M (deposit + AVD stamp duty HK$1,460,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,205
−HK$4,711/mo
▼ 0.25% · 3.875%
HK$89,544
−HK$2,372/mo
Today · 4.125%
HK$91,916
baseline
▲ 0.50% · 4.625%
HK$96,761
+HK$4,845/mo
Deposit HK$17.19M · loan HK$17.19M · min. income ≈ HK$183,832/mo (50% DSR)
Upfront cash ≈ HK$18.65M (deposit + AVD stamp duty HK$1,460,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,065
−HK$5,898/mo
▼ 0.25% · 3.875%
HK$96,990
−HK$2,973/mo
Today · 4.125%
HK$99,963
baseline
▲ 0.50% · 4.625%
HK$106,046
+HK$6,083/mo
Deposit HK$13.75M · loan HK$20.63M · min. income ≈ HK$199,926/mo (50% DSR)
Upfront cash ≈ HK$15.21M (deposit + AVD stamp duty HK$1,460,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,646
−HK$5,654/mo
▼ 0.25% · 3.875%
HK$107,452
−HK$2,848/mo
Today · 4.125%
HK$110,300
baseline
▲ 0.50% · 4.625%
HK$116,114
+HK$5,814/mo
Deposit HK$13.75M · loan HK$20.63M · min. income ≈ HK$220,600/mo (50% DSR)
Upfront cash ≈ HK$15.21M (deposit + AVD stamp duty HK$1,460,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,742
−HK$6,882/mo
▼ 0.25% · 3.875%
HK$113,156
−HK$3,468/mo
Today · 4.125%
HK$116,624
baseline
▲ 0.50% · 4.625%
HK$123,720
+HK$7,096/mo
Deposit HK$10.31M · loan HK$24.06M · min. income ≈ HK$233,248/mo (50% DSR)
Upfront cash ≈ HK$11.77M (deposit + AVD stamp duty HK$1,460,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,087
−HK$6,596/mo
▼ 0.25% · 3.875%
HK$125,361
−HK$3,322/mo
Today · 4.125%
HK$128,683
baseline
▲ 0.50% · 4.625%
HK$135,466
+HK$6,783/mo
Deposit HK$10.31M · loan HK$24.06M · min. income ≈ HK$257,366/mo (50% DSR)
Upfront cash ≈ HK$11.77M (deposit + AVD stamp duty HK$1,460,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,097
−HK$8,848/mo
▼ 0.25% · 3.875%
HK$145,486
−HK$4,459/mo
Today · 4.125%
HK$149,945
baseline
▲ 0.50% · 4.625%
HK$159,069
+HK$9,124/mo
Deposit HK$3.44M · loan HK$30.94M · min. income ≈ HK$299,890/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$1,460,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,969
−HK$8,480/mo
▼ 0.25% · 3.875%
HK$161,179
−HK$4,270/mo
Today · 4.125%
HK$165,449
baseline
▲ 0.50% · 4.625%
HK$174,170
+HK$8,721/mo
Deposit HK$3.44M · loan HK$30.94M · min. income ≈ HK$330,898/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$1,460,999 · Scale 2, in force from 26 Feb 2026)