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$78,376
−HK$4,915/mo
▼ 0.25% · 3.875%
HK$80,814
−HK$2,477/mo
Today · 4.125%
HK$83,291
baseline
▲ 0.50% · 4.625%
HK$88,359
+HK$5,068/mo
Deposit HK$17.19M · loan HK$17.19M · min. income ≈ HK$166,582/mo (50% DSR)
Upfront cash ≈ HK$18.65M (deposit + AVD stamp duty HK$1,460,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,193
−HK$4,710/mo
▼ 0.25% · 3.875%
HK$89,531
−HK$2,372/mo
Today · 4.125%
HK$91,903
baseline
▲ 0.50% · 4.625%
HK$96,748
+HK$4,845/mo
Deposit HK$17.19M · loan HK$17.19M · min. income ≈ HK$183,806/mo (50% DSR)
Upfront cash ≈ HK$18.65M (deposit + AVD stamp duty HK$1,460,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,051
−HK$5,898/mo
▼ 0.25% · 3.875%
HK$96,977
−HK$2,972/mo
Today · 4.125%
HK$99,949
baseline
▲ 0.50% · 4.625%
HK$106,031
+HK$6,082/mo
Deposit HK$13.75M · loan HK$20.62M · min. income ≈ HK$199,898/mo (50% DSR)
Upfront cash ≈ HK$15.21M (deposit + AVD stamp duty HK$1,460,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,631
−HK$5,653/mo
▼ 0.25% · 3.875%
HK$107,437
−HK$2,847/mo
Today · 4.125%
HK$110,284
baseline
▲ 0.50% · 4.625%
HK$116,097
+HK$5,813/mo
Deposit HK$13.75M · loan HK$20.62M · min. income ≈ HK$220,568/mo (50% DSR)
Upfront cash ≈ HK$15.21M (deposit + AVD stamp duty HK$1,460,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,727
−HK$6,880/mo
▼ 0.25% · 3.875%
HK$113,140
−HK$3,467/mo
Today · 4.125%
HK$116,607
baseline
▲ 0.50% · 4.625%
HK$123,703
+HK$7,096/mo
Deposit HK$10.31M · loan HK$24.06M · min. income ≈ HK$233,214/mo (50% DSR)
Upfront cash ≈ HK$11.77M (deposit + AVD stamp duty HK$1,460,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,070
−HK$6,595/mo
▼ 0.25% · 3.875%
HK$125,344
−HK$3,321/mo
Today · 4.125%
HK$128,665
baseline
▲ 0.50% · 4.625%
HK$135,447
+HK$6,782/mo
Deposit HK$10.31M · loan HK$24.06M · min. income ≈ HK$257,330/mo (50% DSR)
Upfront cash ≈ HK$11.77M (deposit + AVD stamp duty HK$1,460,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,077
−HK$8,847/mo
▼ 0.25% · 3.875%
HK$145,465
−HK$4,459/mo
Today · 4.125%
HK$149,924
baseline
▲ 0.50% · 4.625%
HK$159,046
+HK$9,122/mo
Deposit HK$3.44M · loan HK$30.93M · min. income ≈ HK$299,848/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$1,460,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,947
−HK$8,479/mo
▼ 0.25% · 3.875%
HK$161,156
−HK$4,270/mo
Today · 4.125%
HK$165,426
baseline
▲ 0.50% · 4.625%
HK$174,146
+HK$8,720/mo
Deposit HK$3.44M · loan HK$30.93M · min. income ≈ HK$330,852/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$1,460,794 · Scale 2, in force from 26 Feb 2026)