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$78,249
−HK$4,906/mo
▼ 0.25% · 3.875%
HK$80,683
−HK$2,472/mo
Today · 4.125%
HK$83,155
baseline
▲ 0.50% · 4.625%
HK$88,215
+HK$5,060/mo
Deposit HK$17.16M · loan HK$17.16M · min. income ≈ HK$166,310/mo (50% DSR)
Upfront cash ≈ HK$18.62M (deposit + AVD stamp duty HK$1,458,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,051
−HK$4,703/mo
▼ 0.25% · 3.875%
HK$89,385
−HK$2,369/mo
Today · 4.125%
HK$91,754
baseline
▲ 0.50% · 4.625%
HK$96,590
+HK$4,836/mo
Deposit HK$17.16M · loan HK$17.16M · min. income ≈ HK$183,508/mo (50% DSR)
Upfront cash ≈ HK$18.62M (deposit + AVD stamp duty HK$1,458,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,898
−HK$5,889/mo
▼ 0.25% · 3.875%
HK$96,819
−HK$2,968/mo
Today · 4.125%
HK$99,787
baseline
▲ 0.50% · 4.625%
HK$105,858
+HK$6,071/mo
Deposit HK$13.73M · loan HK$20.59M · min. income ≈ HK$199,574/mo (50% DSR)
Upfront cash ≈ HK$15.18M (deposit + AVD stamp duty HK$1,458,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,461
−HK$5,644/mo
▼ 0.25% · 3.875%
HK$107,262
−HK$2,843/mo
Today · 4.125%
HK$110,105
baseline
▲ 0.50% · 4.625%
HK$115,908
+HK$5,803/mo
Deposit HK$13.73M · loan HK$20.59M · min. income ≈ HK$220,210/mo (50% DSR)
Upfront cash ≈ HK$15.18M (deposit + AVD stamp duty HK$1,458,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,548
−HK$6,870/mo
▼ 0.25% · 3.875%
HK$112,956
−HK$3,462/mo
Today · 4.125%
HK$116,418
baseline
▲ 0.50% · 4.625%
HK$123,501
+HK$7,083/mo
Deposit HK$10.29M · loan HK$24.02M · min. income ≈ HK$232,836/mo (50% DSR)
Upfront cash ≈ HK$11.75M (deposit + AVD stamp duty HK$1,458,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,871
−HK$6,584/mo
▼ 0.25% · 3.875%
HK$125,140
−HK$3,315/mo
Today · 4.125%
HK$128,455
baseline
▲ 0.50% · 4.625%
HK$135,226
+HK$6,771/mo
Deposit HK$10.29M · loan HK$24.02M · min. income ≈ HK$256,910/mo (50% DSR)
Upfront cash ≈ HK$11.75M (deposit + AVD stamp duty HK$1,458,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,847
−HK$8,833/mo
▼ 0.25% · 3.875%
HK$145,229
−HK$4,451/mo
Today · 4.125%
HK$149,680
baseline
▲ 0.50% · 4.625%
HK$158,787
+HK$9,107/mo
Deposit HK$3.43M · loan HK$30.88M · min. income ≈ HK$299,360/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$1,458,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,691
−HK$8,466/mo
▼ 0.25% · 3.875%
HK$160,894
−HK$4,263/mo
Today · 4.125%
HK$165,157
baseline
▲ 0.50% · 4.625%
HK$173,863
+HK$8,706/mo
Deposit HK$3.43M · loan HK$30.88M · min. income ≈ HK$330,314/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$1,458,417 · Scale 2, in force from 26 Feb 2026)