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$78,307
−HK$4,911/mo
▼ 0.25% · 3.875%
HK$80,743
−HK$2,475/mo
Today · 4.125%
HK$83,218
baseline
▲ 0.50% · 4.625%
HK$88,281
+HK$5,063/mo
Deposit HK$17.17M · loan HK$17.17M · min. income ≈ HK$166,436/mo (50% DSR)
Upfront cash ≈ HK$18.63M (deposit + AVD stamp duty HK$1,459,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,116
−HK$4,707/mo
▼ 0.25% · 3.875%
HK$89,452
−HK$2,371/mo
Today · 4.125%
HK$91,823
baseline
▲ 0.50% · 4.625%
HK$96,663
+HK$4,840/mo
Deposit HK$17.17M · loan HK$17.17M · min. income ≈ HK$183,646/mo (50% DSR)
Upfront cash ≈ HK$18.63M (deposit + AVD stamp duty HK$1,459,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,969
−HK$5,892/mo
▼ 0.25% · 3.875%
HK$96,892
−HK$2,969/mo
Today · 4.125%
HK$99,861
baseline
▲ 0.50% · 4.625%
HK$105,938
+HK$6,077/mo
Deposit HK$13.74M · loan HK$20.60M · min. income ≈ HK$199,722/mo (50% DSR)
Upfront cash ≈ HK$15.20M (deposit + AVD stamp duty HK$1,459,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,539
−HK$5,648/mo
▼ 0.25% · 3.875%
HK$107,343
−HK$2,844/mo
Today · 4.125%
HK$110,187
baseline
▲ 0.50% · 4.625%
HK$115,995
+HK$5,808/mo
Deposit HK$13.74M · loan HK$20.60M · min. income ≈ HK$220,374/mo (50% DSR)
Upfront cash ≈ HK$15.20M (deposit + AVD stamp duty HK$1,459,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,630
−HK$6,875/mo
▼ 0.25% · 3.875%
HK$113,040
−HK$3,465/mo
Today · 4.125%
HK$116,505
baseline
▲ 0.50% · 4.625%
HK$123,594
+HK$7,089/mo
Deposit HK$10.30M · loan HK$24.04M · min. income ≈ HK$233,010/mo (50% DSR)
Upfront cash ≈ HK$11.76M (deposit + AVD stamp duty HK$1,459,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,962
−HK$6,590/mo
▼ 0.25% · 3.875%
HK$125,233
−HK$3,319/mo
Today · 4.125%
HK$128,552
baseline
▲ 0.50% · 4.625%
HK$135,328
+HK$6,776/mo
Deposit HK$10.30M · loan HK$24.04M · min. income ≈ HK$257,104/mo (50% DSR)
Upfront cash ≈ HK$11.76M (deposit + AVD stamp duty HK$1,459,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,953
−HK$8,839/mo
▼ 0.25% · 3.875%
HK$145,337
−HK$4,455/mo
Today · 4.125%
HK$149,792
baseline
▲ 0.50% · 4.625%
HK$158,906
+HK$9,114/mo
Deposit HK$3.43M · loan HK$30.91M · min. income ≈ HK$299,584/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$1,459,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,809
−HK$8,472/mo
▼ 0.25% · 3.875%
HK$161,014
−HK$4,267/mo
Today · 4.125%
HK$165,281
baseline
▲ 0.50% · 4.625%
HK$173,993
+HK$8,712/mo
Deposit HK$3.43M · loan HK$30.91M · min. income ≈ HK$330,562/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$1,459,509 · Scale 2, in force from 26 Feb 2026)