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$78,508
−HK$4,923/mo
▼ 0.25% · 3.875%
HK$80,950
−HK$2,481/mo
Today · 4.125%
HK$83,431
baseline
▲ 0.50% · 4.625%
HK$88,507
+HK$5,076/mo
Deposit HK$17.21M · loan HK$17.21M · min. income ≈ HK$166,862/mo (50% DSR)
Upfront cash ≈ HK$18.68M (deposit + AVD stamp duty HK$1,463,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,339
−HK$4,719/mo
▼ 0.25% · 3.875%
HK$89,681
−HK$2,377/mo
Today · 4.125%
HK$92,058
baseline
▲ 0.50% · 4.625%
HK$96,910
+HK$4,852/mo
Deposit HK$17.21M · loan HK$17.21M · min. income ≈ HK$184,116/mo (50% DSR)
Upfront cash ≈ HK$18.68M (deposit + AVD stamp duty HK$1,463,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,209
−HK$5,908/mo
▼ 0.25% · 3.875%
HK$97,140
−HK$2,977/mo
Today · 4.125%
HK$100,117
baseline
▲ 0.50% · 4.625%
HK$106,209
+HK$6,092/mo
Deposit HK$13.77M · loan HK$20.66M · min. income ≈ HK$200,234/mo (50% DSR)
Upfront cash ≈ HK$15.23M (deposit + AVD stamp duty HK$1,463,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,807
−HK$5,662/mo
▼ 0.25% · 3.875%
HK$107,618
−HK$2,851/mo
Today · 4.125%
HK$110,469
baseline
▲ 0.50% · 4.625%
HK$116,292
+HK$5,823/mo
Deposit HK$13.77M · loan HK$20.66M · min. income ≈ HK$220,938/mo (50% DSR)
Upfront cash ≈ HK$15.23M (deposit + AVD stamp duty HK$1,463,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,911
−HK$6,892/mo
▼ 0.25% · 3.875%
HK$113,329
−HK$3,474/mo
Today · 4.125%
HK$116,803
baseline
▲ 0.50% · 4.625%
HK$123,910
+HK$7,107/mo
Deposit HK$10.33M · loan HK$24.10M · min. income ≈ HK$233,606/mo (50% DSR)
Upfront cash ≈ HK$11.79M (deposit + AVD stamp duty HK$1,463,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,274
−HK$6,607/mo
▼ 0.25% · 3.875%
HK$125,554
−HK$3,327/mo
Today · 4.125%
HK$128,881
baseline
▲ 0.50% · 4.625%
HK$135,674
+HK$6,793/mo
Deposit HK$10.33M · loan HK$24.10M · min. income ≈ HK$257,762/mo (50% DSR)
Upfront cash ≈ HK$11.79M (deposit + AVD stamp duty HK$1,463,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,314
−HK$8,861/mo
▼ 0.25% · 3.875%
HK$145,709
−HK$4,466/mo
Today · 4.125%
HK$150,175
baseline
▲ 0.50% · 4.625%
HK$159,313
+HK$9,138/mo
Deposit HK$3.44M · loan HK$30.99M · min. income ≈ HK$300,350/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$1,463,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,210
−HK$8,494/mo
▼ 0.25% · 3.875%
HK$161,426
−HK$4,278/mo
Today · 4.125%
HK$165,704
baseline
▲ 0.50% · 4.625%
HK$174,438
+HK$8,734/mo
Deposit HK$3.44M · loan HK$30.99M · min. income ≈ HK$331,408/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$1,463,245 · Scale 2, in force from 26 Feb 2026)