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$78,145
−HK$4,901/mo
▼ 0.25% · 3.875%
HK$80,576
−HK$2,470/mo
Today · 4.125%
HK$83,046
baseline
▲ 0.50% · 4.625%
HK$88,099
+HK$5,053/mo
Deposit HK$17.14M · loan HK$17.14M · min. income ≈ HK$166,092/mo (50% DSR)
Upfront cash ≈ HK$18.59M (deposit + AVD stamp duty HK$1,456,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,936
−HK$4,697/mo
▼ 0.25% · 3.875%
HK$89,267
−HK$2,366/mo
Today · 4.125%
HK$91,633
baseline
▲ 0.50% · 4.625%
HK$96,463
+HK$4,830/mo
Deposit HK$17.14M · loan HK$17.14M · min. income ≈ HK$183,266/mo (50% DSR)
Upfront cash ≈ HK$18.59M (deposit + AVD stamp duty HK$1,456,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,774
−HK$5,881/mo
▼ 0.25% · 3.875%
HK$96,691
−HK$2,964/mo
Today · 4.125%
HK$99,655
baseline
▲ 0.50% · 4.625%
HK$105,719
+HK$6,064/mo
Deposit HK$13.71M · loan HK$20.56M · min. income ≈ HK$199,310/mo (50% DSR)
Upfront cash ≈ HK$15.16M (deposit + AVD stamp duty HK$1,456,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,323
−HK$5,636/mo
▼ 0.25% · 3.875%
HK$107,121
−HK$2,838/mo
Today · 4.125%
HK$109,959
baseline
▲ 0.50% · 4.625%
HK$115,755
+HK$5,796/mo
Deposit HK$13.71M · loan HK$20.56M · min. income ≈ HK$219,918/mo (50% DSR)
Upfront cash ≈ HK$15.16M (deposit + AVD stamp duty HK$1,456,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,403
−HK$6,861/mo
▼ 0.25% · 3.875%
HK$112,807
−HK$3,457/mo
Today · 4.125%
HK$116,264
baseline
▲ 0.50% · 4.625%
HK$123,338
+HK$7,074/mo
Deposit HK$10.28M · loan HK$23.99M · min. income ≈ HK$232,528/mo (50% DSR)
Upfront cash ≈ HK$11.74M (deposit + AVD stamp duty HK$1,456,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,710
−HK$6,576/mo
▼ 0.25% · 3.875%
HK$124,974
−HK$3,312/mo
Today · 4.125%
HK$128,286
baseline
▲ 0.50% · 4.625%
HK$135,048
+HK$6,762/mo
Deposit HK$10.28M · loan HK$23.99M · min. income ≈ HK$256,572/mo (50% DSR)
Upfront cash ≈ HK$11.74M (deposit + AVD stamp duty HK$1,456,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,662
−HK$8,820/mo
▼ 0.25% · 3.875%
HK$145,037
−HK$4,445/mo
Today · 4.125%
HK$149,482
baseline
▲ 0.50% · 4.625%
HK$158,578
+HK$9,096/mo
Deposit HK$3.43M · loan HK$30.84M · min. income ≈ HK$298,964/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$1,456,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,485
−HK$8,454/mo
▼ 0.25% · 3.875%
HK$160,681
−HK$4,258/mo
Today · 4.125%
HK$164,939
baseline
▲ 0.50% · 4.625%
HK$173,633
+HK$8,694/mo
Deposit HK$3.43M · loan HK$30.84M · min. income ≈ HK$329,878/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$1,456,493 · Scale 2, in force from 26 Feb 2026)