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$78,259
−HK$4,908/mo
▼ 0.25% · 3.875%
HK$80,693
−HK$2,474/mo
Today · 4.125%
HK$83,167
baseline
▲ 0.50% · 4.625%
HK$88,227
+HK$5,060/mo
Deposit HK$17.16M · loan HK$17.16M · min. income ≈ HK$166,334/mo (50% DSR)
Upfront cash ≈ HK$18.62M (deposit + AVD stamp duty HK$1,458,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,062
−HK$4,704/mo
▼ 0.25% · 3.875%
HK$89,397
−HK$2,369/mo
Today · 4.125%
HK$91,766
baseline
▲ 0.50% · 4.625%
HK$96,603
+HK$4,837/mo
Deposit HK$17.16M · loan HK$17.16M · min. income ≈ HK$183,532/mo (50% DSR)
Upfront cash ≈ HK$18.62M (deposit + AVD stamp duty HK$1,458,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,911
−HK$5,889/mo
▼ 0.25% · 3.875%
HK$96,832
−HK$2,968/mo
Today · 4.125%
HK$99,800
baseline
▲ 0.50% · 4.625%
HK$105,872
+HK$6,072/mo
Deposit HK$13.73M · loan HK$20.59M · min. income ≈ HK$199,600/mo (50% DSR)
Upfront cash ≈ HK$15.19M (deposit + AVD stamp duty HK$1,458,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,475
−HK$5,644/mo
▼ 0.25% · 3.875%
HK$107,277
−HK$2,842/mo
Today · 4.125%
HK$110,119
baseline
▲ 0.50% · 4.625%
HK$115,924
+HK$5,805/mo
Deposit HK$13.73M · loan HK$20.59M · min. income ≈ HK$220,238/mo (50% DSR)
Upfront cash ≈ HK$15.19M (deposit + AVD stamp duty HK$1,458,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,563
−HK$6,870/mo
▼ 0.25% · 3.875%
HK$112,971
−HK$3,462/mo
Today · 4.125%
HK$116,433
baseline
▲ 0.50% · 4.625%
HK$123,518
+HK$7,085/mo
Deposit HK$10.30M · loan HK$24.02M · min. income ≈ HK$232,866/mo (50% DSR)
Upfront cash ≈ HK$11.75M (deposit + AVD stamp duty HK$1,458,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,887
−HK$6,586/mo
▼ 0.25% · 3.875%
HK$125,156
−HK$3,317/mo
Today · 4.125%
HK$128,473
baseline
▲ 0.50% · 4.625%
HK$135,244
+HK$6,771/mo
Deposit HK$10.30M · loan HK$24.02M · min. income ≈ HK$256,946/mo (50% DSR)
Upfront cash ≈ HK$11.75M (deposit + AVD stamp duty HK$1,458,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,866
−HK$8,834/mo
▼ 0.25% · 3.875%
HK$145,248
−HK$4,452/mo
Today · 4.125%
HK$149,700
baseline
▲ 0.50% · 4.625%
HK$158,809
+HK$9,109/mo
Deposit HK$3.43M · loan HK$30.89M · min. income ≈ HK$299,400/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$1,458,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,712
−HK$8,467/mo
▼ 0.25% · 3.875%
HK$160,915
−HK$4,264/mo
Today · 4.125%
HK$165,179
baseline
▲ 0.50% · 4.625%
HK$173,886
+HK$8,707/mo
Deposit HK$3.43M · loan HK$30.89M · min. income ≈ HK$330,358/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$1,458,612 · Scale 2, in force from 26 Feb 2026)