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$78,191
−HK$4,903/mo
▼ 0.25% · 3.875%
HK$80,623
−HK$2,471/mo
Today · 4.125%
HK$83,094
baseline
▲ 0.50% · 4.625%
HK$88,150
+HK$5,056/mo
Deposit HK$17.15M · loan HK$17.15M · min. income ≈ HK$166,188/mo (50% DSR)
Upfront cash ≈ HK$18.60M (deposit + AVD stamp duty HK$1,457,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,987
−HK$4,699/mo
▼ 0.25% · 3.875%
HK$89,320
−HK$2,366/mo
Today · 4.125%
HK$91,686
baseline
▲ 0.50% · 4.625%
HK$96,519
+HK$4,833/mo
Deposit HK$17.15M · loan HK$17.15M · min. income ≈ HK$183,372/mo (50% DSR)
Upfront cash ≈ HK$18.60M (deposit + AVD stamp duty HK$1,457,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,829
−HK$5,884/mo
▼ 0.25% · 3.875%
HK$96,748
−HK$2,965/mo
Today · 4.125%
HK$99,713
baseline
▲ 0.50% · 4.625%
HK$105,780
+HK$6,067/mo
Deposit HK$13.72M · loan HK$20.57M · min. income ≈ HK$199,426/mo (50% DSR)
Upfront cash ≈ HK$15.17M (deposit + AVD stamp duty HK$1,457,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,384
−HK$5,640/mo
▼ 0.25% · 3.875%
HK$107,184
−HK$2,840/mo
Today · 4.125%
HK$110,024
baseline
▲ 0.50% · 4.625%
HK$115,823
+HK$5,799/mo
Deposit HK$13.72M · loan HK$20.57M · min. income ≈ HK$220,048/mo (50% DSR)
Upfront cash ≈ HK$15.17M (deposit + AVD stamp duty HK$1,457,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,467
−HK$6,865/mo
▼ 0.25% · 3.875%
HK$112,873
−HK$3,459/mo
Today · 4.125%
HK$116,332
baseline
▲ 0.50% · 4.625%
HK$123,411
+HK$7,079/mo
Deposit HK$10.29M · loan HK$24.00M · min. income ≈ HK$232,664/mo (50% DSR)
Upfront cash ≈ HK$11.74M (deposit + AVD stamp duty HK$1,457,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,781
−HK$6,580/mo
▼ 0.25% · 3.875%
HK$125,048
−HK$3,313/mo
Today · 4.125%
HK$128,361
baseline
▲ 0.50% · 4.625%
HK$135,127
+HK$6,766/mo
Deposit HK$10.29M · loan HK$24.00M · min. income ≈ HK$256,722/mo (50% DSR)
Upfront cash ≈ HK$11.74M (deposit + AVD stamp duty HK$1,457,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,744
−HK$8,826/mo
▼ 0.25% · 3.875%
HK$145,122
−HK$4,448/mo
Today · 4.125%
HK$149,570
baseline
▲ 0.50% · 4.625%
HK$158,671
+HK$9,101/mo
Deposit HK$3.43M · loan HK$30.86M · min. income ≈ HK$299,140/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$1,457,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,576
−HK$8,459/mo
▼ 0.25% · 3.875%
HK$160,775
−HK$4,260/mo
Today · 4.125%
HK$165,035
baseline
▲ 0.50% · 4.625%
HK$173,735
+HK$8,700/mo
Deposit HK$3.43M · loan HK$30.86M · min. income ≈ HK$330,070/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$1,457,345 · Scale 2, in force from 26 Feb 2026)