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$78,320
−HK$4,911/mo
▼ 0.25% · 3.875%
HK$80,756
−HK$2,475/mo
Today · 4.125%
HK$83,231
baseline
▲ 0.50% · 4.625%
HK$88,296
+HK$5,065/mo
Deposit HK$17.17M · loan HK$17.17M · min. income ≈ HK$166,462/mo (50% DSR)
Upfront cash ≈ HK$18.63M (deposit + AVD stamp duty HK$1,459,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,130
−HK$4,707/mo
▼ 0.25% · 3.875%
HK$89,467
−HK$2,370/mo
Today · 4.125%
HK$91,837
baseline
▲ 0.50% · 4.625%
HK$96,678
+HK$4,841/mo
Deposit HK$17.17M · loan HK$17.17M · min. income ≈ HK$183,674/mo (50% DSR)
Upfront cash ≈ HK$18.63M (deposit + AVD stamp duty HK$1,459,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,984
−HK$5,893/mo
▼ 0.25% · 3.875%
HK$96,907
−HK$2,970/mo
Today · 4.125%
HK$99,877
baseline
▲ 0.50% · 4.625%
HK$105,955
+HK$6,078/mo
Deposit HK$13.74M · loan HK$20.61M · min. income ≈ HK$199,754/mo (50% DSR)
Upfront cash ≈ HK$15.20M (deposit + AVD stamp duty HK$1,459,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,556
−HK$5,649/mo
▼ 0.25% · 3.875%
HK$107,360
−HK$2,845/mo
Today · 4.125%
HK$110,205
baseline
▲ 0.50% · 4.625%
HK$116,014
+HK$5,809/mo
Deposit HK$13.74M · loan HK$20.61M · min. income ≈ HK$220,410/mo (50% DSR)
Upfront cash ≈ HK$15.20M (deposit + AVD stamp duty HK$1,459,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,648
−HK$6,876/mo
▼ 0.25% · 3.875%
HK$113,058
−HK$3,466/mo
Today · 4.125%
HK$116,524
baseline
▲ 0.50% · 4.625%
HK$123,614
+HK$7,090/mo
Deposit HK$10.30M · loan HK$24.04M · min. income ≈ HK$233,048/mo (50% DSR)
Upfront cash ≈ HK$11.76M (deposit + AVD stamp duty HK$1,459,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,982
−HK$6,590/mo
▼ 0.25% · 3.875%
HK$125,254
−HK$3,318/mo
Today · 4.125%
HK$128,572
baseline
▲ 0.50% · 4.625%
HK$135,350
+HK$6,778/mo
Deposit HK$10.30M · loan HK$24.04M · min. income ≈ HK$257,144/mo (50% DSR)
Upfront cash ≈ HK$11.76M (deposit + AVD stamp duty HK$1,459,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,976
−HK$8,840/mo
▼ 0.25% · 3.875%
HK$145,361
−HK$4,455/mo
Today · 4.125%
HK$149,816
baseline
▲ 0.50% · 4.625%
HK$158,932
+HK$9,116/mo
Deposit HK$3.43M · loan HK$30.91M · min. income ≈ HK$299,632/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$1,459,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,834
−HK$8,473/mo
▼ 0.25% · 3.875%
HK$161,040
−HK$4,267/mo
Today · 4.125%
HK$165,307
baseline
▲ 0.50% · 4.625%
HK$174,021
+HK$8,714/mo
Deposit HK$3.43M · loan HK$30.91M · min. income ≈ HK$330,614/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$1,459,745 · Scale 2, in force from 26 Feb 2026)