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$78,021
−HK$4,892/mo
▼ 0.25% · 3.875%
HK$80,448
−HK$2,465/mo
Today · 4.125%
HK$82,913
baseline
▲ 0.50% · 4.625%
HK$87,958
+HK$5,045/mo
Deposit HK$17.11M · loan HK$17.11M · min. income ≈ HK$165,826/mo (50% DSR)
Upfront cash ≈ HK$18.56M (deposit + AVD stamp duty HK$1,454,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,797
−HK$4,690/mo
▼ 0.25% · 3.875%
HK$89,125
−HK$2,362/mo
Today · 4.125%
HK$91,487
baseline
▲ 0.50% · 4.625%
HK$96,309
+HK$4,822/mo
Deposit HK$17.11M · loan HK$17.11M · min. income ≈ HK$182,974/mo (50% DSR)
Upfront cash ≈ HK$18.56M (deposit + AVD stamp duty HK$1,454,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,625
−HK$5,871/mo
▼ 0.25% · 3.875%
HK$96,537
−HK$2,959/mo
Today · 4.125%
HK$99,496
baseline
▲ 0.50% · 4.625%
HK$105,550
+HK$6,054/mo
Deposit HK$13.69M · loan HK$20.53M · min. income ≈ HK$198,992/mo (50% DSR)
Upfront cash ≈ HK$15.14M (deposit + AVD stamp duty HK$1,454,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,157
−HK$5,627/mo
▼ 0.25% · 3.875%
HK$106,950
−HK$2,834/mo
Today · 4.125%
HK$109,784
baseline
▲ 0.50% · 4.625%
HK$115,571
+HK$5,787/mo
Deposit HK$13.69M · loan HK$20.53M · min. income ≈ HK$219,568/mo (50% DSR)
Upfront cash ≈ HK$15.14M (deposit + AVD stamp duty HK$1,454,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,229
−HK$6,850/mo
▼ 0.25% · 3.875%
HK$112,627
−HK$3,452/mo
Today · 4.125%
HK$116,079
baseline
▲ 0.50% · 4.625%
HK$123,142
+HK$7,063/mo
Deposit HK$10.26M · loan HK$23.95M · min. income ≈ HK$232,158/mo (50% DSR)
Upfront cash ≈ HK$11.72M (deposit + AVD stamp duty HK$1,454,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,516
−HK$6,565/mo
▼ 0.25% · 3.875%
HK$124,775
−HK$3,306/mo
Today · 4.125%
HK$128,081
baseline
▲ 0.50% · 4.625%
HK$134,833
+HK$6,752/mo
Deposit HK$10.26M · loan HK$23.95M · min. income ≈ HK$256,162/mo (50% DSR)
Upfront cash ≈ HK$11.72M (deposit + AVD stamp duty HK$1,454,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,437
−HK$8,807/mo
▼ 0.25% · 3.875%
HK$144,806
−HK$4,438/mo
Today · 4.125%
HK$149,244
baseline
▲ 0.50% · 4.625%
HK$158,325
+HK$9,081/mo
Deposit HK$3.42M · loan HK$30.79M · min. income ≈ HK$298,488/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$1,454,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,235
−HK$8,441/mo
▼ 0.25% · 3.875%
HK$160,425
−HK$4,251/mo
Today · 4.125%
HK$164,676
baseline
▲ 0.50% · 4.625%
HK$173,356
+HK$8,680/mo
Deposit HK$3.42M · loan HK$30.79M · min. income ≈ HK$329,352/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$1,454,172 · Scale 2, in force from 26 Feb 2026)