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$77,806
−HK$4,879/mo
▼ 0.25% · 3.875%
HK$80,226
−HK$2,459/mo
Today · 4.125%
HK$82,685
baseline
▲ 0.50% · 4.625%
HK$87,716
+HK$5,031/mo
Deposit HK$17.06M · loan HK$17.06M · min. income ≈ HK$165,370/mo (50% DSR)
Upfront cash ≈ HK$18.51M (deposit + AVD stamp duty HK$1,450,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,558
−HK$4,676/mo
▼ 0.25% · 3.875%
HK$88,879
−HK$2,355/mo
Today · 4.125%
HK$91,234
baseline
▲ 0.50% · 4.625%
HK$96,043
+HK$4,809/mo
Deposit HK$17.06M · loan HK$17.06M · min. income ≈ HK$182,468/mo (50% DSR)
Upfront cash ≈ HK$18.51M (deposit + AVD stamp duty HK$1,450,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,367
−HK$5,855/mo
▼ 0.25% · 3.875%
HK$96,271
−HK$2,951/mo
Today · 4.125%
HK$99,222
baseline
▲ 0.50% · 4.625%
HK$105,259
+HK$6,037/mo
Deposit HK$13.65M · loan HK$20.47M · min. income ≈ HK$198,444/mo (50% DSR)
Upfront cash ≈ HK$15.10M (deposit + AVD stamp duty HK$1,450,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,869
−HK$5,612/mo
▼ 0.25% · 3.875%
HK$106,655
−HK$2,826/mo
Today · 4.125%
HK$109,481
baseline
▲ 0.50% · 4.625%
HK$115,252
+HK$5,771/mo
Deposit HK$13.65M · loan HK$20.47M · min. income ≈ HK$218,962/mo (50% DSR)
Upfront cash ≈ HK$15.10M (deposit + AVD stamp duty HK$1,450,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,928
−HK$6,831/mo
▼ 0.25% · 3.875%
HK$112,316
−HK$3,443/mo
Today · 4.125%
HK$115,759
baseline
▲ 0.50% · 4.625%
HK$122,802
+HK$7,043/mo
Deposit HK$10.24M · loan HK$23.88M · min. income ≈ HK$231,518/mo (50% DSR)
Upfront cash ≈ HK$11.69M (deposit + AVD stamp duty HK$1,450,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,181
−HK$6,547/mo
▼ 0.25% · 3.875%
HK$124,431
−HK$3,297/mo
Today · 4.125%
HK$127,728
baseline
▲ 0.50% · 4.625%
HK$134,461
+HK$6,733/mo
Deposit HK$10.24M · loan HK$23.88M · min. income ≈ HK$255,456/mo (50% DSR)
Upfront cash ≈ HK$11.69M (deposit + AVD stamp duty HK$1,450,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,050
−HK$8,782/mo
▼ 0.25% · 3.875%
HK$144,406
−HK$4,426/mo
Today · 4.125%
HK$148,832
baseline
▲ 0.50% · 4.625%
HK$157,888
+HK$9,056/mo
Deposit HK$3.41M · loan HK$30.71M · min. income ≈ HK$297,664/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$1,450,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,804
−HK$8,418/mo
▼ 0.25% · 3.875%
HK$159,983
−HK$4,239/mo
Today · 4.125%
HK$164,222
baseline
▲ 0.50% · 4.625%
HK$172,878
+HK$8,656/mo
Deposit HK$3.41M · loan HK$30.71M · min. income ≈ HK$328,444/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$1,450,160 · Scale 2, in force from 26 Feb 2026)