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$78,369
−HK$4,914/mo
▼ 0.25% · 3.875%
HK$80,807
−HK$2,476/mo
Today · 4.125%
HK$83,283
baseline
▲ 0.50% · 4.625%
HK$88,351
+HK$5,068/mo
Deposit HK$17.18M · loan HK$17.18M · min. income ≈ HK$166,566/mo (50% DSR)
Upfront cash ≈ HK$18.64M (deposit + AVD stamp duty HK$1,460,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,185
−HK$4,710/mo
▼ 0.25% · 3.875%
HK$89,523
−HK$2,372/mo
Today · 4.125%
HK$91,895
baseline
▲ 0.50% · 4.625%
HK$96,739
+HK$4,844/mo
Deposit HK$17.18M · loan HK$17.18M · min. income ≈ HK$183,790/mo (50% DSR)
Upfront cash ≈ HK$18.64M (deposit + AVD stamp duty HK$1,460,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,043
−HK$5,897/mo
▼ 0.25% · 3.875%
HK$96,968
−HK$2,972/mo
Today · 4.125%
HK$99,940
baseline
▲ 0.50% · 4.625%
HK$106,021
+HK$6,081/mo
Deposit HK$13.75M · loan HK$20.62M · min. income ≈ HK$199,880/mo (50% DSR)
Upfront cash ≈ HK$15.21M (deposit + AVD stamp duty HK$1,460,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,622
−HK$5,652/mo
▼ 0.25% · 3.875%
HK$107,427
−HK$2,847/mo
Today · 4.125%
HK$110,274
baseline
▲ 0.50% · 4.625%
HK$116,087
+HK$5,813/mo
Deposit HK$13.75M · loan HK$20.62M · min. income ≈ HK$220,548/mo (50% DSR)
Upfront cash ≈ HK$15.21M (deposit + AVD stamp duty HK$1,460,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,716
−HK$6,881/mo
▼ 0.25% · 3.875%
HK$113,129
−HK$3,468/mo
Today · 4.125%
HK$116,597
baseline
▲ 0.50% · 4.625%
HK$123,691
+HK$7,094/mo
Deposit HK$10.31M · loan HK$24.06M · min. income ≈ HK$233,194/mo (50% DSR)
Upfront cash ≈ HK$11.77M (deposit + AVD stamp duty HK$1,460,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,059
−HK$6,594/mo
▼ 0.25% · 3.875%
HK$125,332
−HK$3,321/mo
Today · 4.125%
HK$128,653
baseline
▲ 0.50% · 4.625%
HK$135,434
+HK$6,781/mo
Deposit HK$10.31M · loan HK$24.06M · min. income ≈ HK$257,306/mo (50% DSR)
Upfront cash ≈ HK$11.77M (deposit + AVD stamp duty HK$1,460,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,064
−HK$8,846/mo
▼ 0.25% · 3.875%
HK$145,452
−HK$4,458/mo
Today · 4.125%
HK$149,910
baseline
▲ 0.50% · 4.625%
HK$159,032
+HK$9,122/mo
Deposit HK$3.44M · loan HK$30.93M · min. income ≈ HK$299,820/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$1,460,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,932
−HK$8,479/mo
▼ 0.25% · 3.875%
HK$161,141
−HK$4,270/mo
Today · 4.125%
HK$165,411
baseline
▲ 0.50% · 4.625%
HK$174,130
+HK$8,719/mo
Deposit HK$3.44M · loan HK$30.93M · min. income ≈ HK$330,822/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$1,460,660 · Scale 2, in force from 26 Feb 2026)