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$78,332
−HK$4,912/mo
▼ 0.25% · 3.875%
HK$80,768
−HK$2,476/mo
Today · 4.125%
HK$83,244
baseline
▲ 0.50% · 4.625%
HK$88,309
+HK$5,065/mo
Deposit HK$17.18M · loan HK$17.18M · min. income ≈ HK$166,488/mo (50% DSR)
Upfront cash ≈ HK$18.64M (deposit + AVD stamp duty HK$1,459,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,143
−HK$4,709/mo
▼ 0.25% · 3.875%
HK$89,481
−HK$2,371/mo
Today · 4.125%
HK$91,852
baseline
▲ 0.50% · 4.625%
HK$96,693
+HK$4,841/mo
Deposit HK$17.18M · loan HK$17.18M · min. income ≈ HK$183,704/mo (50% DSR)
Upfront cash ≈ HK$18.64M (deposit + AVD stamp duty HK$1,459,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,998
−HK$5,895/mo
▼ 0.25% · 3.875%
HK$96,922
−HK$2,971/mo
Today · 4.125%
HK$99,893
baseline
▲ 0.50% · 4.625%
HK$105,971
+HK$6,078/mo
Deposit HK$13.74M · loan HK$20.61M · min. income ≈ HK$199,786/mo (50% DSR)
Upfront cash ≈ HK$15.20M (deposit + AVD stamp duty HK$1,459,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,572
−HK$5,650/mo
▼ 0.25% · 3.875%
HK$107,377
−HK$2,845/mo
Today · 4.125%
HK$110,222
baseline
▲ 0.50% · 4.625%
HK$116,032
+HK$5,810/mo
Deposit HK$13.74M · loan HK$20.61M · min. income ≈ HK$220,444/mo (50% DSR)
Upfront cash ≈ HK$15.20M (deposit + AVD stamp duty HK$1,459,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,665
−HK$6,877/mo
▼ 0.25% · 3.875%
HK$113,076
−HK$3,466/mo
Today · 4.125%
HK$116,542
baseline
▲ 0.50% · 4.625%
HK$123,633
+HK$7,091/mo
Deposit HK$10.31M · loan HK$24.05M · min. income ≈ HK$233,084/mo (50% DSR)
Upfront cash ≈ HK$11.77M (deposit + AVD stamp duty HK$1,459,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,001
−HK$6,591/mo
▼ 0.25% · 3.875%
HK$125,273
−HK$3,319/mo
Today · 4.125%
HK$128,592
baseline
▲ 0.50% · 4.625%
HK$135,370
+HK$6,778/mo
Deposit HK$10.31M · loan HK$24.05M · min. income ≈ HK$257,184/mo (50% DSR)
Upfront cash ≈ HK$11.77M (deposit + AVD stamp duty HK$1,459,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,997
−HK$8,842/mo
▼ 0.25% · 3.875%
HK$145,383
−HK$4,456/mo
Today · 4.125%
HK$149,839
baseline
▲ 0.50% · 4.625%
HK$158,957
+HK$9,118/mo
Deposit HK$3.44M · loan HK$30.92M · min. income ≈ HK$299,678/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$1,459,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,858
−HK$8,475/mo
▼ 0.25% · 3.875%
HK$161,065
−HK$4,268/mo
Today · 4.125%
HK$165,333
baseline
▲ 0.50% · 4.625%
HK$174,048
+HK$8,715/mo
Deposit HK$3.44M · loan HK$30.92M · min. income ≈ HK$330,666/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$1,459,970 · Scale 2, in force from 26 Feb 2026)