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$77,833
−HK$4,881/mo
▼ 0.25% · 3.875%
HK$80,254
−HK$2,460/mo
Today · 4.125%
HK$82,714
baseline
▲ 0.50% · 4.625%
HK$87,747
+HK$5,033/mo
Deposit HK$17.07M · loan HK$17.07M · min. income ≈ HK$165,428/mo (50% DSR)
Upfront cash ≈ HK$18.52M (deposit + AVD stamp duty HK$1,450,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,589
−HK$4,678/mo
▼ 0.25% · 3.875%
HK$88,911
−HK$2,356/mo
Today · 4.125%
HK$91,267
baseline
▲ 0.50% · 4.625%
HK$96,078
+HK$4,811/mo
Deposit HK$17.07M · loan HK$17.07M · min. income ≈ HK$182,534/mo (50% DSR)
Upfront cash ≈ HK$18.52M (deposit + AVD stamp duty HK$1,450,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,400
−HK$5,857/mo
▼ 0.25% · 3.875%
HK$96,305
−HK$2,952/mo
Today · 4.125%
HK$99,257
baseline
▲ 0.50% · 4.625%
HK$105,297
+HK$6,040/mo
Deposit HK$13.65M · loan HK$20.48M · min. income ≈ HK$198,514/mo (50% DSR)
Upfront cash ≈ HK$15.10M (deposit + AVD stamp duty HK$1,450,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,907
−HK$5,613/mo
▼ 0.25% · 3.875%
HK$106,693
−HK$2,827/mo
Today · 4.125%
HK$109,520
baseline
▲ 0.50% · 4.625%
HK$115,293
+HK$5,773/mo
Deposit HK$13.65M · loan HK$20.48M · min. income ≈ HK$219,040/mo (50% DSR)
Upfront cash ≈ HK$15.10M (deposit + AVD stamp duty HK$1,450,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,967
−HK$6,833/mo
▼ 0.25% · 3.875%
HK$112,356
−HK$3,444/mo
Today · 4.125%
HK$115,800
baseline
▲ 0.50% · 4.625%
HK$122,846
+HK$7,046/mo
Deposit HK$10.24M · loan HK$23.89M · min. income ≈ HK$231,600/mo (50% DSR)
Upfront cash ≈ HK$11.69M (deposit + AVD stamp duty HK$1,450,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,224
−HK$6,550/mo
▼ 0.25% · 3.875%
HK$124,476
−HK$3,298/mo
Today · 4.125%
HK$127,774
baseline
▲ 0.50% · 4.625%
HK$134,509
+HK$6,735/mo
Deposit HK$10.24M · loan HK$23.89M · min. income ≈ HK$255,548/mo (50% DSR)
Upfront cash ≈ HK$11.69M (deposit + AVD stamp duty HK$1,450,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,100
−HK$8,786/mo
▼ 0.25% · 3.875%
HK$144,458
−HK$4,428/mo
Today · 4.125%
HK$148,886
baseline
▲ 0.50% · 4.625%
HK$157,945
+HK$9,059/mo
Deposit HK$3.41M · loan HK$30.72M · min. income ≈ HK$297,772/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$1,450,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,860
−HK$8,421/mo
▼ 0.25% · 3.875%
HK$160,040
−HK$4,241/mo
Today · 4.125%
HK$164,281
baseline
▲ 0.50% · 4.625%
HK$172,940
+HK$8,659/mo
Deposit HK$3.41M · loan HK$30.72M · min. income ≈ HK$328,562/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$1,450,679 · Scale 2, in force from 26 Feb 2026)