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$78,325
−HK$4,912/mo
▼ 0.25% · 3.875%
HK$80,762
−HK$2,475/mo
Today · 4.125%
HK$83,237
baseline
▲ 0.50% · 4.625%
HK$88,302
+HK$5,065/mo
Deposit HK$17.17M · loan HK$17.17M · min. income ≈ HK$166,474/mo (50% DSR)
Upfront cash ≈ HK$18.63M (deposit + AVD stamp duty HK$1,459,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,136
−HK$4,708/mo
▼ 0.25% · 3.875%
HK$89,473
−HK$2,371/mo
Today · 4.125%
HK$91,844
baseline
▲ 0.50% · 4.625%
HK$96,685
+HK$4,841/mo
Deposit HK$17.17M · loan HK$17.17M · min. income ≈ HK$183,688/mo (50% DSR)
Upfront cash ≈ HK$18.63M (deposit + AVD stamp duty HK$1,459,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,990
−HK$5,894/mo
▼ 0.25% · 3.875%
HK$96,914
−HK$2,970/mo
Today · 4.125%
HK$99,884
baseline
▲ 0.50% · 4.625%
HK$105,962
+HK$6,078/mo
Deposit HK$13.74M · loan HK$20.61M · min. income ≈ HK$199,768/mo (50% DSR)
Upfront cash ≈ HK$15.20M (deposit + AVD stamp duty HK$1,459,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,563
−HK$5,650/mo
▼ 0.25% · 3.875%
HK$107,368
−HK$2,845/mo
Today · 4.125%
HK$110,213
baseline
▲ 0.50% · 4.625%
HK$116,022
+HK$5,809/mo
Deposit HK$13.74M · loan HK$20.61M · min. income ≈ HK$220,426/mo (50% DSR)
Upfront cash ≈ HK$15.20M (deposit + AVD stamp duty HK$1,459,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,655
−HK$6,877/mo
▼ 0.25% · 3.875%
HK$113,066
−HK$3,466/mo
Today · 4.125%
HK$116,532
baseline
▲ 0.50% · 4.625%
HK$123,623
+HK$7,091/mo
Deposit HK$10.30M · loan HK$24.04M · min. income ≈ HK$233,064/mo (50% DSR)
Upfront cash ≈ HK$11.76M (deposit + AVD stamp duty HK$1,459,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,991
−HK$6,590/mo
▼ 0.25% · 3.875%
HK$125,262
−HK$3,319/mo
Today · 4.125%
HK$128,581
baseline
▲ 0.50% · 4.625%
HK$135,359
+HK$6,778/mo
Deposit HK$10.30M · loan HK$24.04M · min. income ≈ HK$257,162/mo (50% DSR)
Upfront cash ≈ HK$11.76M (deposit + AVD stamp duty HK$1,459,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,986
−HK$8,841/mo
▼ 0.25% · 3.875%
HK$145,371
−HK$4,456/mo
Today · 4.125%
HK$149,827
baseline
▲ 0.50% · 4.625%
HK$158,943
+HK$9,116/mo
Deposit HK$3.43M · loan HK$30.91M · min. income ≈ HK$299,654/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$1,459,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,845
−HK$8,474/mo
▼ 0.25% · 3.875%
HK$161,052
−HK$4,267/mo
Today · 4.125%
HK$165,319
baseline
▲ 0.50% · 4.625%
HK$174,033
+HK$8,714/mo
Deposit HK$3.43M · loan HK$30.91M · min. income ≈ HK$330,638/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$1,459,848 · Scale 2, in force from 26 Feb 2026)