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$78,446
−HK$4,919/mo
▼ 0.25% · 3.875%
HK$80,886
−HK$2,479/mo
Today · 4.125%
HK$83,365
baseline
▲ 0.50% · 4.625%
HK$88,438
+HK$5,073/mo
Deposit HK$17.20M · loan HK$17.20M · min. income ≈ HK$166,730/mo (50% DSR)
Upfront cash ≈ HK$18.66M (deposit + AVD stamp duty HK$1,462,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,270
−HK$4,715/mo
▼ 0.25% · 3.875%
HK$89,611
−HK$2,374/mo
Today · 4.125%
HK$91,985
baseline
▲ 0.50% · 4.625%
HK$96,834
+HK$4,849/mo
Deposit HK$17.20M · loan HK$17.20M · min. income ≈ HK$183,970/mo (50% DSR)
Upfront cash ≈ HK$18.66M (deposit + AVD stamp duty HK$1,462,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,135
−HK$5,903/mo
▼ 0.25% · 3.875%
HK$97,063
−HK$2,975/mo
Today · 4.125%
HK$100,038
baseline
▲ 0.50% · 4.625%
HK$106,125
+HK$6,087/mo
Deposit HK$13.76M · loan HK$20.64M · min. income ≈ HK$200,076/mo (50% DSR)
Upfront cash ≈ HK$15.22M (deposit + AVD stamp duty HK$1,462,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,724
−HK$5,658/mo
▼ 0.25% · 3.875%
HK$107,533
−HK$2,849/mo
Today · 4.125%
HK$110,382
baseline
▲ 0.50% · 4.625%
HK$116,201
+HK$5,819/mo
Deposit HK$13.76M · loan HK$20.64M · min. income ≈ HK$220,764/mo (50% DSR)
Upfront cash ≈ HK$15.22M (deposit + AVD stamp duty HK$1,462,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,824
−HK$6,887/mo
▼ 0.25% · 3.875%
HK$113,241
−HK$3,470/mo
Today · 4.125%
HK$116,711
baseline
▲ 0.50% · 4.625%
HK$123,813
+HK$7,102/mo
Deposit HK$10.32M · loan HK$24.08M · min. income ≈ HK$233,422/mo (50% DSR)
Upfront cash ≈ HK$11.78M (deposit + AVD stamp duty HK$1,462,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,179
−HK$6,600/mo
▼ 0.25% · 3.875%
HK$125,455
−HK$3,324/mo
Today · 4.125%
HK$128,779
baseline
▲ 0.50% · 4.625%
HK$135,568
+HK$6,789/mo
Deposit HK$10.32M · loan HK$24.08M · min. income ≈ HK$257,558/mo (50% DSR)
Upfront cash ≈ HK$11.78M (deposit + AVD stamp duty HK$1,462,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,203
−HK$8,854/mo
▼ 0.25% · 3.875%
HK$145,595
−HK$4,462/mo
Today · 4.125%
HK$150,057
baseline
▲ 0.50% · 4.625%
HK$159,188
+HK$9,131/mo
Deposit HK$3.44M · loan HK$30.96M · min. income ≈ HK$300,114/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$1,462,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,087
−HK$8,487/mo
▼ 0.25% · 3.875%
HK$161,300
−HK$4,274/mo
Today · 4.125%
HK$165,574
baseline
▲ 0.50% · 4.625%
HK$174,301
+HK$8,727/mo
Deposit HK$3.44M · loan HK$30.96M · min. income ≈ HK$331,148/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$1,462,097 · Scale 2, in force from 26 Feb 2026)