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$78,244
−HK$4,907/mo
▼ 0.25% · 3.875%
HK$80,678
−HK$2,473/mo
Today · 4.125%
HK$83,151
baseline
▲ 0.50% · 4.625%
HK$88,211
+HK$5,060/mo
Deposit HK$17.16M · loan HK$17.16M · min. income ≈ HK$166,302/mo (50% DSR)
Upfront cash ≈ HK$18.62M (deposit + AVD stamp duty HK$1,458,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,046
−HK$4,703/mo
▼ 0.25% · 3.875%
HK$89,381
−HK$2,368/mo
Today · 4.125%
HK$91,749
baseline
▲ 0.50% · 4.625%
HK$96,585
+HK$4,836/mo
Deposit HK$17.16M · loan HK$17.16M · min. income ≈ HK$183,498/mo (50% DSR)
Upfront cash ≈ HK$18.62M (deposit + AVD stamp duty HK$1,458,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,893
−HK$5,888/mo
▼ 0.25% · 3.875%
HK$96,814
−HK$2,967/mo
Today · 4.125%
HK$99,781
baseline
▲ 0.50% · 4.625%
HK$105,853
+HK$6,072/mo
Deposit HK$13.73M · loan HK$20.59M · min. income ≈ HK$199,562/mo (50% DSR)
Upfront cash ≈ HK$15.18M (deposit + AVD stamp duty HK$1,458,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,455
−HK$5,644/mo
▼ 0.25% · 3.875%
HK$107,257
−HK$2,842/mo
Today · 4.125%
HK$110,099
baseline
▲ 0.50% · 4.625%
HK$115,902
+HK$5,803/mo
Deposit HK$13.73M · loan HK$20.59M · min. income ≈ HK$220,198/mo (50% DSR)
Upfront cash ≈ HK$15.18M (deposit + AVD stamp duty HK$1,458,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,542
−HK$6,869/mo
▼ 0.25% · 3.875%
HK$112,949
−HK$3,462/mo
Today · 4.125%
HK$116,411
baseline
▲ 0.50% · 4.625%
HK$123,495
+HK$7,084/mo
Deposit HK$10.29M · loan HK$24.02M · min. income ≈ HK$232,822/mo (50% DSR)
Upfront cash ≈ HK$11.75M (deposit + AVD stamp duty HK$1,458,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,864
−HK$6,584/mo
▼ 0.25% · 3.875%
HK$125,133
−HK$3,315/mo
Today · 4.125%
HK$128,448
baseline
▲ 0.50% · 4.625%
HK$135,219
+HK$6,771/mo
Deposit HK$10.29M · loan HK$24.02M · min. income ≈ HK$256,896/mo (50% DSR)
Upfront cash ≈ HK$11.75M (deposit + AVD stamp duty HK$1,458,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,840
−HK$8,832/mo
▼ 0.25% · 3.875%
HK$145,221
−HK$4,451/mo
Today · 4.125%
HK$149,672
baseline
▲ 0.50% · 4.625%
HK$158,779
+HK$9,107/mo
Deposit HK$3.43M · loan HK$30.88M · min. income ≈ HK$299,344/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$1,458,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,683
−HK$8,465/mo
▼ 0.25% · 3.875%
HK$160,885
−HK$4,263/mo
Today · 4.125%
HK$165,148
baseline
▲ 0.50% · 4.625%
HK$173,853
+HK$8,705/mo
Deposit HK$3.43M · loan HK$30.88M · min. income ≈ HK$330,296/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$1,458,339 · Scale 2, in force from 26 Feb 2026)