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$78,125
−HK$4,899/mo
▼ 0.25% · 3.875%
HK$80,555
−HK$2,469/mo
Today · 4.125%
HK$83,024
baseline
▲ 0.50% · 4.625%
HK$88,075
+HK$5,051/mo
Deposit HK$17.13M · loan HK$17.13M · min. income ≈ HK$166,048/mo (50% DSR)
Upfront cash ≈ HK$18.59M (deposit + AVD stamp duty HK$1,456,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,913
−HK$4,695/mo
▼ 0.25% · 3.875%
HK$89,244
−HK$2,364/mo
Today · 4.125%
HK$91,608
baseline
▲ 0.50% · 4.625%
HK$96,437
+HK$4,829/mo
Deposit HK$17.13M · loan HK$17.13M · min. income ≈ HK$183,216/mo (50% DSR)
Upfront cash ≈ HK$18.59M (deposit + AVD stamp duty HK$1,456,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,749
−HK$5,879/mo
▼ 0.25% · 3.875%
HK$96,666
−HK$2,962/mo
Today · 4.125%
HK$99,628
baseline
▲ 0.50% · 4.625%
HK$105,690
+HK$6,062/mo
Deposit HK$13.70M · loan HK$20.56M · min. income ≈ HK$199,256/mo (50% DSR)
Upfront cash ≈ HK$15.16M (deposit + AVD stamp duty HK$1,456,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,295
−HK$5,635/mo
▼ 0.25% · 3.875%
HK$107,092
−HK$2,838/mo
Today · 4.125%
HK$109,930
baseline
▲ 0.50% · 4.625%
HK$115,725
+HK$5,795/mo
Deposit HK$13.70M · loan HK$20.56M · min. income ≈ HK$219,860/mo (50% DSR)
Upfront cash ≈ HK$15.16M (deposit + AVD stamp duty HK$1,456,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,374
−HK$6,859/mo
▼ 0.25% · 3.875%
HK$112,776
−HK$3,457/mo
Today · 4.125%
HK$116,233
baseline
▲ 0.50% · 4.625%
HK$123,306
+HK$7,073/mo
Deposit HK$10.28M · loan HK$23.98M · min. income ≈ HK$232,466/mo (50% DSR)
Upfront cash ≈ HK$11.73M (deposit + AVD stamp duty HK$1,456,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,678
−HK$6,574/mo
▼ 0.25% · 3.875%
HK$124,941
−HK$3,311/mo
Today · 4.125%
HK$128,252
baseline
▲ 0.50% · 4.625%
HK$135,012
+HK$6,760/mo
Deposit HK$10.28M · loan HK$23.98M · min. income ≈ HK$256,504/mo (50% DSR)
Upfront cash ≈ HK$11.73M (deposit + AVD stamp duty HK$1,456,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,624
−HK$8,819/mo
▼ 0.25% · 3.875%
HK$144,998
−HK$4,445/mo
Today · 4.125%
HK$149,443
baseline
▲ 0.50% · 4.625%
HK$158,536
+HK$9,093/mo
Deposit HK$3.43M · loan HK$30.84M · min. income ≈ HK$298,886/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$1,456,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,443
−HK$8,452/mo
▼ 0.25% · 3.875%
HK$160,639
−HK$4,256/mo
Today · 4.125%
HK$164,895
baseline
▲ 0.50% · 4.625%
HK$173,587
+HK$8,692/mo
Deposit HK$3.43M · loan HK$30.84M · min. income ≈ HK$329,790/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$1,456,105 · Scale 2, in force from 26 Feb 2026)