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$78,224
−HK$4,906/mo
▼ 0.25% · 3.875%
HK$80,658
−HK$2,472/mo
Today · 4.125%
HK$83,130
baseline
▲ 0.50% · 4.625%
HK$88,188
+HK$5,058/mo
Deposit HK$17.15M · loan HK$17.15M · min. income ≈ HK$166,260/mo (50% DSR)
Upfront cash ≈ HK$18.61M (deposit + AVD stamp duty HK$1,457,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,024
−HK$4,702/mo
▼ 0.25% · 3.875%
HK$89,358
−HK$2,368/mo
Today · 4.125%
HK$91,726
baseline
▲ 0.50% · 4.625%
HK$96,561
+HK$4,835/mo
Deposit HK$17.15M · loan HK$17.15M · min. income ≈ HK$183,452/mo (50% DSR)
Upfront cash ≈ HK$18.61M (deposit + AVD stamp duty HK$1,457,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,869
−HK$5,887/mo
▼ 0.25% · 3.875%
HK$96,789
−HK$2,967/mo
Today · 4.125%
HK$99,756
baseline
▲ 0.50% · 4.625%
HK$105,826
+HK$6,070/mo
Deposit HK$13.72M · loan HK$20.58M · min. income ≈ HK$199,512/mo (50% DSR)
Upfront cash ≈ HK$15.18M (deposit + AVD stamp duty HK$1,457,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,429
−HK$5,642/mo
▼ 0.25% · 3.875%
HK$107,229
−HK$2,842/mo
Today · 4.125%
HK$110,071
baseline
▲ 0.50% · 4.625%
HK$115,873
+HK$5,802/mo
Deposit HK$13.72M · loan HK$20.58M · min. income ≈ HK$220,142/mo (50% DSR)
Upfront cash ≈ HK$15.18M (deposit + AVD stamp duty HK$1,457,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,514
−HK$6,868/mo
▼ 0.25% · 3.875%
HK$112,921
−HK$3,461/mo
Today · 4.125%
HK$116,382
baseline
▲ 0.50% · 4.625%
HK$123,463
+HK$7,081/mo
Deposit HK$10.29M · loan HK$24.01M · min. income ≈ HK$232,764/mo (50% DSR)
Upfront cash ≈ HK$11.75M (deposit + AVD stamp duty HK$1,457,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,833
−HK$6,583/mo
▼ 0.25% · 3.875%
HK$125,101
−HK$3,315/mo
Today · 4.125%
HK$128,416
baseline
▲ 0.50% · 4.625%
HK$135,185
+HK$6,769/mo
Deposit HK$10.29M · loan HK$24.01M · min. income ≈ HK$256,832/mo (50% DSR)
Upfront cash ≈ HK$11.75M (deposit + AVD stamp duty HK$1,457,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,804
−HK$8,830/mo
▼ 0.25% · 3.875%
HK$145,184
−HK$4,450/mo
Today · 4.125%
HK$149,634
baseline
▲ 0.50% · 4.625%
HK$158,739
+HK$9,105/mo
Deposit HK$3.43M · loan HK$30.87M · min. income ≈ HK$299,268/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$1,457,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,643
−HK$8,463/mo
▼ 0.25% · 3.875%
HK$160,844
−HK$4,262/mo
Today · 4.125%
HK$165,106
baseline
▲ 0.50% · 4.625%
HK$173,809
+HK$8,703/mo
Deposit HK$3.43M · loan HK$30.87M · min. income ≈ HK$330,212/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$1,457,968 · Scale 2, in force from 26 Feb 2026)