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$78,396
−HK$4,916/mo
▼ 0.25% · 3.875%
HK$80,835
−HK$2,477/mo
Today · 4.125%
HK$83,312
baseline
▲ 0.50% · 4.625%
HK$88,382
+HK$5,070/mo
Deposit HK$17.19M · loan HK$17.19M · min. income ≈ HK$166,624/mo (50% DSR)
Upfront cash ≈ HK$18.65M (deposit + AVD stamp duty HK$1,461,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,215
−HK$4,712/mo
▼ 0.25% · 3.875%
HK$89,554
−HK$2,373/mo
Today · 4.125%
HK$91,927
baseline
▲ 0.50% · 4.625%
HK$96,773
+HK$4,846/mo
Deposit HK$17.19M · loan HK$17.19M · min. income ≈ HK$183,854/mo (50% DSR)
Upfront cash ≈ HK$18.65M (deposit + AVD stamp duty HK$1,461,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,076
−HK$5,899/mo
▼ 0.25% · 3.875%
HK$97,002
−HK$2,973/mo
Today · 4.125%
HK$99,975
baseline
▲ 0.50% · 4.625%
HK$106,058
+HK$6,083/mo
Deposit HK$13.75M · loan HK$20.63M · min. income ≈ HK$199,950/mo (50% DSR)
Upfront cash ≈ HK$15.21M (deposit + AVD stamp duty HK$1,461,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,658
−HK$5,654/mo
▼ 0.25% · 3.875%
HK$107,465
−HK$2,847/mo
Today · 4.125%
HK$110,312
baseline
▲ 0.50% · 4.625%
HK$116,127
+HK$5,815/mo
Deposit HK$13.75M · loan HK$20.63M · min. income ≈ HK$220,624/mo (50% DSR)
Upfront cash ≈ HK$15.21M (deposit + AVD stamp duty HK$1,461,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,755
−HK$6,882/mo
▼ 0.25% · 3.875%
HK$113,169
−HK$3,468/mo
Today · 4.125%
HK$116,637
baseline
▲ 0.50% · 4.625%
HK$123,734
+HK$7,097/mo
Deposit HK$10.31M · loan HK$24.07M · min. income ≈ HK$233,274/mo (50% DSR)
Upfront cash ≈ HK$11.78M (deposit + AVD stamp duty HK$1,461,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,101
−HK$6,597/mo
▼ 0.25% · 3.875%
HK$125,376
−HK$3,322/mo
Today · 4.125%
HK$128,698
baseline
▲ 0.50% · 4.625%
HK$135,482
+HK$6,784/mo
Deposit HK$10.31M · loan HK$24.07M · min. income ≈ HK$257,396/mo (50% DSR)
Upfront cash ≈ HK$11.78M (deposit + AVD stamp duty HK$1,461,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,113
−HK$8,849/mo
▼ 0.25% · 3.875%
HK$145,503
−HK$4,459/mo
Today · 4.125%
HK$149,962
baseline
▲ 0.50% · 4.625%
HK$159,087
+HK$9,125/mo
Deposit HK$3.44M · loan HK$30.94M · min. income ≈ HK$299,924/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$1,461,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,987
−HK$8,482/mo
▼ 0.25% · 3.875%
HK$161,197
−HK$4,272/mo
Today · 4.125%
HK$165,469
baseline
▲ 0.50% · 4.625%
HK$174,191
+HK$8,722/mo
Deposit HK$3.44M · loan HK$30.94M · min. income ≈ HK$330,938/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$1,461,170 · Scale 2, in force from 26 Feb 2026)