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$78,342
−HK$4,913/mo
▼ 0.25% · 3.875%
HK$80,779
−HK$2,476/mo
Today · 4.125%
HK$83,255
baseline
▲ 0.50% · 4.625%
HK$88,321
+HK$5,066/mo
Deposit HK$17.18M · loan HK$17.18M · min. income ≈ HK$166,510/mo (50% DSR)
Upfront cash ≈ HK$18.64M (deposit + AVD stamp duty HK$1,460,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,155
−HK$4,709/mo
▼ 0.25% · 3.875%
HK$89,492
−HK$2,372/mo
Today · 4.125%
HK$91,864
baseline
▲ 0.50% · 4.625%
HK$96,706
+HK$4,842/mo
Deposit HK$17.18M · loan HK$17.18M · min. income ≈ HK$183,728/mo (50% DSR)
Upfront cash ≈ HK$18.64M (deposit + AVD stamp duty HK$1,460,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,011
−HK$5,895/mo
▼ 0.25% · 3.875%
HK$96,935
−HK$2,971/mo
Today · 4.125%
HK$99,906
baseline
▲ 0.50% · 4.625%
HK$105,985
+HK$6,079/mo
Deposit HK$13.74M · loan HK$20.61M · min. income ≈ HK$199,812/mo (50% DSR)
Upfront cash ≈ HK$15.20M (deposit + AVD stamp duty HK$1,460,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,586
−HK$5,650/mo
▼ 0.25% · 3.875%
HK$107,391
−HK$2,845/mo
Today · 4.125%
HK$110,236
baseline
▲ 0.50% · 4.625%
HK$116,047
+HK$5,811/mo
Deposit HK$13.74M · loan HK$20.61M · min. income ≈ HK$220,472/mo (50% DSR)
Upfront cash ≈ HK$15.20M (deposit + AVD stamp duty HK$1,460,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,679
−HK$6,878/mo
▼ 0.25% · 3.875%
HK$113,091
−HK$3,466/mo
Today · 4.125%
HK$116,557
baseline
▲ 0.50% · 4.625%
HK$123,649
+HK$7,092/mo
Deposit HK$10.31M · loan HK$24.05M · min. income ≈ HK$233,114/mo (50% DSR)
Upfront cash ≈ HK$11.77M (deposit + AVD stamp duty HK$1,460,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,017
−HK$6,592/mo
▼ 0.25% · 3.875%
HK$125,289
−HK$3,320/mo
Today · 4.125%
HK$128,609
baseline
▲ 0.50% · 4.625%
HK$135,388
+HK$6,779/mo
Deposit HK$10.31M · loan HK$24.05M · min. income ≈ HK$257,218/mo (50% DSR)
Upfront cash ≈ HK$11.77M (deposit + AVD stamp duty HK$1,460,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,016
−HK$8,843/mo
▼ 0.25% · 3.875%
HK$145,402
−HK$4,457/mo
Today · 4.125%
HK$149,859
baseline
▲ 0.50% · 4.625%
HK$158,978
+HK$9,119/mo
Deposit HK$3.44M · loan HK$30.92M · min. income ≈ HK$299,718/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$1,460,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,879
−HK$8,476/mo
▼ 0.25% · 3.875%
HK$161,086
−HK$4,269/mo
Today · 4.125%
HK$165,355
baseline
▲ 0.50% · 4.625%
HK$174,071
+HK$8,716/mo
Deposit HK$3.44M · loan HK$30.92M · min. income ≈ HK$330,710/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$1,460,164 · Scale 2, in force from 26 Feb 2026)