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$77,869
−HK$4,884/mo
▼ 0.25% · 3.875%
HK$80,292
−HK$2,461/mo
Today · 4.125%
HK$82,753
baseline
▲ 0.50% · 4.625%
HK$87,788
+HK$5,035/mo
Deposit HK$17.07M · loan HK$17.07M · min. income ≈ HK$165,506/mo (50% DSR)
Upfront cash ≈ HK$18.53M (deposit + AVD stamp duty HK$1,451,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,629
−HK$4,680/mo
▼ 0.25% · 3.875%
HK$88,952
−HK$2,357/mo
Today · 4.125%
HK$91,309
baseline
▲ 0.50% · 4.625%
HK$96,122
+HK$4,813/mo
Deposit HK$17.07M · loan HK$17.07M · min. income ≈ HK$182,618/mo (50% DSR)
Upfront cash ≈ HK$18.53M (deposit + AVD stamp duty HK$1,451,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,443
−HK$5,860/mo
▼ 0.25% · 3.875%
HK$96,350
−HK$2,953/mo
Today · 4.125%
HK$99,303
baseline
▲ 0.50% · 4.625%
HK$105,345
+HK$6,042/mo
Deposit HK$13.66M · loan HK$20.49M · min. income ≈ HK$198,606/mo (50% DSR)
Upfront cash ≈ HK$15.11M (deposit + AVD stamp duty HK$1,451,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,955
−HK$5,616/mo
▼ 0.25% · 3.875%
HK$106,743
−HK$2,828/mo
Today · 4.125%
HK$109,571
baseline
▲ 0.50% · 4.625%
HK$115,347
+HK$5,776/mo
Deposit HK$13.66M · loan HK$20.49M · min. income ≈ HK$219,142/mo (50% DSR)
Upfront cash ≈ HK$15.11M (deposit + AVD stamp duty HK$1,451,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,017
−HK$6,837/mo
▼ 0.25% · 3.875%
HK$112,408
−HK$3,446/mo
Today · 4.125%
HK$115,854
baseline
▲ 0.50% · 4.625%
HK$122,903
+HK$7,049/mo
Deposit HK$10.24M · loan HK$23.90M · min. income ≈ HK$231,708/mo (50% DSR)
Upfront cash ≈ HK$11.70M (deposit + AVD stamp duty HK$1,451,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,281
−HK$6,552/mo
▼ 0.25% · 3.875%
HK$124,533
−HK$3,300/mo
Today · 4.125%
HK$127,833
baseline
▲ 0.50% · 4.625%
HK$134,571
+HK$6,738/mo
Deposit HK$10.24M · loan HK$23.90M · min. income ≈ HK$255,666/mo (50% DSR)
Upfront cash ≈ HK$11.70M (deposit + AVD stamp duty HK$1,451,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,165
−HK$8,790/mo
▼ 0.25% · 3.875%
HK$144,525
−HK$4,430/mo
Today · 4.125%
HK$148,955
baseline
▲ 0.50% · 4.625%
HK$158,018
+HK$9,063/mo
Deposit HK$3.41M · loan HK$30.73M · min. income ≈ HK$297,910/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$1,451,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,932
−HK$8,425/mo
▼ 0.25% · 3.875%
HK$160,114
−HK$4,243/mo
Today · 4.125%
HK$164,357
baseline
▲ 0.50% · 4.625%
HK$173,020
+HK$8,663/mo
Deposit HK$3.41M · loan HK$30.73M · min. income ≈ HK$328,714/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$1,451,351 · Scale 2, in force from 26 Feb 2026)