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$78,358
−HK$4,914/mo
▼ 0.25% · 3.875%
HK$80,795
−HK$2,477/mo
Today · 4.125%
HK$83,272
baseline
▲ 0.50% · 4.625%
HK$88,339
+HK$5,067/mo
Deposit HK$17.18M · loan HK$17.18M · min. income ≈ HK$166,544/mo (50% DSR)
Upfront cash ≈ HK$18.64M (deposit + AVD stamp duty HK$1,460,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,172
−HK$4,710/mo
▼ 0.25% · 3.875%
HK$89,510
−HK$2,372/mo
Today · 4.125%
HK$91,882
baseline
▲ 0.50% · 4.625%
HK$96,725
+HK$4,843/mo
Deposit HK$17.18M · loan HK$17.18M · min. income ≈ HK$183,764/mo (50% DSR)
Upfront cash ≈ HK$18.64M (deposit + AVD stamp duty HK$1,460,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,030
−HK$5,896/mo
▼ 0.25% · 3.875%
HK$96,954
−HK$2,972/mo
Today · 4.125%
HK$99,926
baseline
▲ 0.50% · 4.625%
HK$106,006
+HK$6,080/mo
Deposit HK$13.75M · loan HK$20.62M · min. income ≈ HK$199,852/mo (50% DSR)
Upfront cash ≈ HK$15.21M (deposit + AVD stamp duty HK$1,460,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,607
−HK$5,652/mo
▼ 0.25% · 3.875%
HK$107,412
−HK$2,847/mo
Today · 4.125%
HK$110,259
baseline
▲ 0.50% · 4.625%
HK$116,070
+HK$5,811/mo
Deposit HK$13.75M · loan HK$20.62M · min. income ≈ HK$220,518/mo (50% DSR)
Upfront cash ≈ HK$15.21M (deposit + AVD stamp duty HK$1,460,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,701
−HK$6,879/mo
▼ 0.25% · 3.875%
HK$113,114
−HK$3,466/mo
Today · 4.125%
HK$116,580
baseline
▲ 0.50% · 4.625%
HK$123,674
+HK$7,094/mo
Deposit HK$10.31M · loan HK$24.05M · min. income ≈ HK$233,160/mo (50% DSR)
Upfront cash ≈ HK$11.77M (deposit + AVD stamp duty HK$1,460,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,041
−HK$6,594/mo
▼ 0.25% · 3.875%
HK$125,315
−HK$3,320/mo
Today · 4.125%
HK$128,635
baseline
▲ 0.50% · 4.625%
HK$135,416
+HK$6,781/mo
Deposit HK$10.31M · loan HK$24.05M · min. income ≈ HK$257,270/mo (50% DSR)
Upfront cash ≈ HK$11.77M (deposit + AVD stamp duty HK$1,460,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,044
−HK$8,845/mo
▼ 0.25% · 3.875%
HK$145,432
−HK$4,457/mo
Today · 4.125%
HK$149,889
baseline
▲ 0.50% · 4.625%
HK$159,010
+HK$9,121/mo
Deposit HK$3.44M · loan HK$30.93M · min. income ≈ HK$299,778/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$1,460,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,910
−HK$8,478/mo
▼ 0.25% · 3.875%
HK$161,119
−HK$4,269/mo
Today · 4.125%
HK$165,388
baseline
▲ 0.50% · 4.625%
HK$174,106
+HK$8,718/mo
Deposit HK$3.44M · loan HK$30.93M · min. income ≈ HK$330,776/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$1,460,457 · Scale 2, in force from 26 Feb 2026)