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$77,917
−HK$4,886/mo
▼ 0.25% · 3.875%
HK$80,341
−HK$2,462/mo
Today · 4.125%
HK$82,803
baseline
▲ 0.50% · 4.625%
HK$87,842
+HK$5,039/mo
Deposit HK$17.09M · loan HK$17.09M · min. income ≈ HK$165,606/mo (50% DSR)
Upfront cash ≈ HK$18.54M (deposit + AVD stamp duty HK$1,452,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,682
−HK$4,683/mo
▼ 0.25% · 3.875%
HK$89,007
−HK$2,358/mo
Today · 4.125%
HK$91,365
baseline
▲ 0.50% · 4.625%
HK$96,181
+HK$4,816/mo
Deposit HK$17.09M · loan HK$17.09M · min. income ≈ HK$182,730/mo (50% DSR)
Upfront cash ≈ HK$18.54M (deposit + AVD stamp duty HK$1,452,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,501
−HK$5,863/mo
▼ 0.25% · 3.875%
HK$96,409
−HK$2,955/mo
Today · 4.125%
HK$99,364
baseline
▲ 0.50% · 4.625%
HK$105,410
+HK$6,046/mo
Deposit HK$13.67M · loan HK$20.50M · min. income ≈ HK$198,728/mo (50% DSR)
Upfront cash ≈ HK$15.12M (deposit + AVD stamp duty HK$1,452,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,019
−HK$5,619/mo
▼ 0.25% · 3.875%
HK$106,808
−HK$2,830/mo
Today · 4.125%
HK$109,638
baseline
▲ 0.50% · 4.625%
HK$115,418
+HK$5,780/mo
Deposit HK$13.67M · loan HK$20.50M · min. income ≈ HK$219,276/mo (50% DSR)
Upfront cash ≈ HK$15.12M (deposit + AVD stamp duty HK$1,452,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,084
−HK$6,841/mo
▼ 0.25% · 3.875%
HK$112,477
−HK$3,448/mo
Today · 4.125%
HK$115,925
baseline
▲ 0.50% · 4.625%
HK$122,978
+HK$7,053/mo
Deposit HK$10.25M · loan HK$23.92M · min. income ≈ HK$231,850/mo (50% DSR)
Upfront cash ≈ HK$11.70M (deposit + AVD stamp duty HK$1,452,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,355
−HK$6,556/mo
▼ 0.25% · 3.875%
HK$124,610
−HK$3,301/mo
Today · 4.125%
HK$127,911
baseline
▲ 0.50% · 4.625%
HK$134,654
+HK$6,743/mo
Deposit HK$10.25M · loan HK$23.92M · min. income ≈ HK$255,822/mo (50% DSR)
Upfront cash ≈ HK$11.70M (deposit + AVD stamp duty HK$1,452,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,251
−HK$8,795/mo
▼ 0.25% · 3.875%
HK$144,614
−HK$4,432/mo
Today · 4.125%
HK$149,046
baseline
▲ 0.50% · 4.625%
HK$158,115
+HK$9,069/mo
Deposit HK$3.42M · loan HK$30.75M · min. income ≈ HK$298,092/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$1,452,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,028
−HK$8,430/mo
▼ 0.25% · 3.875%
HK$160,212
−HK$4,246/mo
Today · 4.125%
HK$164,458
baseline
▲ 0.50% · 4.625%
HK$173,126
+HK$8,668/mo
Deposit HK$3.42M · loan HK$30.75M · min. income ≈ HK$328,916/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$1,452,241 · Scale 2, in force from 26 Feb 2026)