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$77,936
−HK$4,887/mo
▼ 0.25% · 3.875%
HK$80,360
−HK$2,463/mo
Today · 4.125%
HK$82,823
baseline
▲ 0.50% · 4.625%
HK$87,863
+HK$5,040/mo
Deposit HK$17.09M · loan HK$17.09M · min. income ≈ HK$165,646/mo (50% DSR)
Upfront cash ≈ HK$18.54M (deposit + AVD stamp duty HK$1,452,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,703
−HK$4,684/mo
▼ 0.25% · 3.875%
HK$89,028
−HK$2,359/mo
Today · 4.125%
HK$91,387
baseline
▲ 0.50% · 4.625%
HK$96,204
+HK$4,817/mo
Deposit HK$17.09M · loan HK$17.09M · min. income ≈ HK$182,774/mo (50% DSR)
Upfront cash ≈ HK$18.54M (deposit + AVD stamp duty HK$1,452,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,523
−HK$5,865/mo
▼ 0.25% · 3.875%
HK$96,432
−HK$2,956/mo
Today · 4.125%
HK$99,388
baseline
▲ 0.50% · 4.625%
HK$105,435
+HK$6,047/mo
Deposit HK$13.67M · loan HK$20.51M · min. income ≈ HK$198,776/mo (50% DSR)
Upfront cash ≈ HK$15.12M (deposit + AVD stamp duty HK$1,452,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,043
−HK$5,622/mo
▼ 0.25% · 3.875%
HK$106,834
−HK$2,831/mo
Today · 4.125%
HK$109,665
baseline
▲ 0.50% · 4.625%
HK$115,445
+HK$5,780/mo
Deposit HK$13.67M · loan HK$20.51M · min. income ≈ HK$219,330/mo (50% DSR)
Upfront cash ≈ HK$15.12M (deposit + AVD stamp duty HK$1,452,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,110
−HK$6,842/mo
▼ 0.25% · 3.875%
HK$112,504
−HK$3,448/mo
Today · 4.125%
HK$115,952
baseline
▲ 0.50% · 4.625%
HK$123,008
+HK$7,056/mo
Deposit HK$10.25M · loan HK$23.92M · min. income ≈ HK$231,904/mo (50% DSR)
Upfront cash ≈ HK$11.71M (deposit + AVD stamp duty HK$1,452,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,384
−HK$6,558/mo
▼ 0.25% · 3.875%
HK$124,640
−HK$3,302/mo
Today · 4.125%
HK$127,942
baseline
▲ 0.50% · 4.625%
HK$134,686
+HK$6,744/mo
Deposit HK$10.25M · loan HK$23.92M · min. income ≈ HK$255,884/mo (50% DSR)
Upfront cash ≈ HK$11.71M (deposit + AVD stamp duty HK$1,452,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,285
−HK$8,797/mo
▼ 0.25% · 3.875%
HK$144,648
−HK$4,434/mo
Today · 4.125%
HK$149,082
baseline
▲ 0.50% · 4.625%
HK$158,153
+HK$9,071/mo
Deposit HK$3.42M · loan HK$30.76M · min. income ≈ HK$298,164/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$1,452,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,065
−HK$8,432/mo
▼ 0.25% · 3.875%
HK$160,251
−HK$4,246/mo
Today · 4.125%
HK$164,497
baseline
▲ 0.50% · 4.625%
HK$173,168
+HK$8,671/mo
Deposit HK$3.42M · loan HK$30.76M · min. income ≈ HK$328,994/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$1,452,589 · Scale 2, in force from 26 Feb 2026)