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$78,497
−HK$4,923/mo
▼ 0.25% · 3.875%
HK$80,939
−HK$2,481/mo
Today · 4.125%
HK$83,420
baseline
▲ 0.50% · 4.625%
HK$88,496
+HK$5,076/mo
Deposit HK$17.21M · loan HK$17.21M · min. income ≈ HK$166,840/mo (50% DSR)
Upfront cash ≈ HK$18.68M (deposit + AVD stamp duty HK$1,463,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,328
−HK$4,718/mo
▼ 0.25% · 3.875%
HK$89,670
−HK$2,376/mo
Today · 4.125%
HK$92,046
baseline
▲ 0.50% · 4.625%
HK$96,897
+HK$4,851/mo
Deposit HK$17.21M · loan HK$17.21M · min. income ≈ HK$184,092/mo (50% DSR)
Upfront cash ≈ HK$18.68M (deposit + AVD stamp duty HK$1,463,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,197
−HK$5,907/mo
▼ 0.25% · 3.875%
HK$97,127
−HK$2,977/mo
Today · 4.125%
HK$100,104
baseline
▲ 0.50% · 4.625%
HK$106,195
+HK$6,091/mo
Deposit HK$13.77M · loan HK$20.65M · min. income ≈ HK$200,208/mo (50% DSR)
Upfront cash ≈ HK$15.23M (deposit + AVD stamp duty HK$1,463,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,793
−HK$5,662/mo
▼ 0.25% · 3.875%
HK$107,604
−HK$2,851/mo
Today · 4.125%
HK$110,455
baseline
▲ 0.50% · 4.625%
HK$116,277
+HK$5,822/mo
Deposit HK$13.77M · loan HK$20.65M · min. income ≈ HK$220,910/mo (50% DSR)
Upfront cash ≈ HK$15.23M (deposit + AVD stamp duty HK$1,463,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,896
−HK$6,892/mo
▼ 0.25% · 3.875%
HK$113,315
−HK$3,473/mo
Today · 4.125%
HK$116,788
baseline
▲ 0.50% · 4.625%
HK$123,894
+HK$7,106/mo
Deposit HK$10.33M · loan HK$24.10M · min. income ≈ HK$233,576/mo (50% DSR)
Upfront cash ≈ HK$11.79M (deposit + AVD stamp duty HK$1,463,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,259
−HK$6,605/mo
▼ 0.25% · 3.875%
HK$125,537
−HK$3,327/mo
Today · 4.125%
HK$128,864
baseline
▲ 0.50% · 4.625%
HK$135,656
+HK$6,792/mo
Deposit HK$10.33M · loan HK$24.10M · min. income ≈ HK$257,728/mo (50% DSR)
Upfront cash ≈ HK$11.79M (deposit + AVD stamp duty HK$1,463,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,295
−HK$8,861/mo
▼ 0.25% · 3.875%
HK$145,690
−HK$4,466/mo
Today · 4.125%
HK$150,156
baseline
▲ 0.50% · 4.625%
HK$159,292
+HK$9,136/mo
Deposit HK$3.44M · loan HK$30.98M · min. income ≈ HK$300,312/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$1,463,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,190
−HK$8,492/mo
▼ 0.25% · 3.875%
HK$161,405
−HK$4,277/mo
Today · 4.125%
HK$165,682
baseline
▲ 0.50% · 4.625%
HK$174,415
+HK$8,733/mo
Deposit HK$3.44M · loan HK$30.98M · min. income ≈ HK$331,364/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$1,463,055 · Scale 2, in force from 26 Feb 2026)