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$77,998
−HK$4,891/mo
▼ 0.25% · 3.875%
HK$80,424
−HK$2,465/mo
Today · 4.125%
HK$82,889
baseline
▲ 0.50% · 4.625%
HK$87,932
+HK$5,043/mo
Deposit HK$17.10M · loan HK$17.10M · min. income ≈ HK$165,778/mo (50% DSR)
Upfront cash ≈ HK$18.56M (deposit + AVD stamp duty HK$1,453,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,772
−HK$4,688/mo
▼ 0.25% · 3.875%
HK$89,099
−HK$2,361/mo
Today · 4.125%
HK$91,460
baseline
▲ 0.50% · 4.625%
HK$96,280
+HK$4,820/mo
Deposit HK$17.10M · loan HK$17.10M · min. income ≈ HK$182,920/mo (50% DSR)
Upfront cash ≈ HK$18.56M (deposit + AVD stamp duty HK$1,453,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,597
−HK$5,869/mo
▼ 0.25% · 3.875%
HK$96,509
−HK$2,957/mo
Today · 4.125%
HK$99,466
baseline
▲ 0.50% · 4.625%
HK$105,519
+HK$6,053/mo
Deposit HK$13.68M · loan HK$20.52M · min. income ≈ HK$198,932/mo (50% DSR)
Upfront cash ≈ HK$15.14M (deposit + AVD stamp duty HK$1,453,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,126
−HK$5,625/mo
▼ 0.25% · 3.875%
HK$106,918
−HK$2,833/mo
Today · 4.125%
HK$109,751
baseline
▲ 0.50% · 4.625%
HK$115,537
+HK$5,786/mo
Deposit HK$13.68M · loan HK$20.52M · min. income ≈ HK$219,502/mo (50% DSR)
Upfront cash ≈ HK$15.14M (deposit + AVD stamp duty HK$1,453,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,197
−HK$6,847/mo
▼ 0.25% · 3.875%
HK$112,593
−HK$3,451/mo
Today · 4.125%
HK$116,044
baseline
▲ 0.50% · 4.625%
HK$123,105
+HK$7,061/mo
Deposit HK$10.26M · loan HK$23.94M · min. income ≈ HK$232,088/mo (50% DSR)
Upfront cash ≈ HK$11.72M (deposit + AVD stamp duty HK$1,453,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,480
−HK$6,563/mo
▼ 0.25% · 3.875%
HK$124,738
−HK$3,305/mo
Today · 4.125%
HK$128,043
baseline
▲ 0.50% · 4.625%
HK$134,793
+HK$6,750/mo
Deposit HK$10.26M · loan HK$23.94M · min. income ≈ HK$256,086/mo (50% DSR)
Upfront cash ≈ HK$11.72M (deposit + AVD stamp duty HK$1,453,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,396
−HK$8,804/mo
▼ 0.25% · 3.875%
HK$144,763
−HK$4,437/mo
Today · 4.125%
HK$149,200
baseline
▲ 0.50% · 4.625%
HK$158,278
+HK$9,078/mo
Deposit HK$3.42M · loan HK$30.79M · min. income ≈ HK$298,400/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$1,453,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,189
−HK$8,438/mo
▼ 0.25% · 3.875%
HK$160,378
−HK$4,249/mo
Today · 4.125%
HK$164,627
baseline
▲ 0.50% · 4.625%
HK$173,305
+HK$8,678/mo
Deposit HK$3.42M · loan HK$30.79M · min. income ≈ HK$329,254/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$1,453,739 · Scale 2, in force from 26 Feb 2026)