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$77,979
−HK$4,890/mo
▼ 0.25% · 3.875%
HK$80,405
−HK$2,464/mo
Today · 4.125%
HK$82,869
baseline
▲ 0.50% · 4.625%
HK$87,912
+HK$5,043/mo
Deposit HK$17.10M · loan HK$17.10M · min. income ≈ HK$165,738/mo (50% DSR)
Upfront cash ≈ HK$18.55M (deposit + AVD stamp duty HK$1,453,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,751
−HK$4,687/mo
▼ 0.25% · 3.875%
HK$89,078
−HK$2,360/mo
Today · 4.125%
HK$91,438
baseline
▲ 0.50% · 4.625%
HK$96,258
+HK$4,820/mo
Deposit HK$17.10M · loan HK$17.10M · min. income ≈ HK$182,876/mo (50% DSR)
Upfront cash ≈ HK$18.55M (deposit + AVD stamp duty HK$1,453,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,575
−HK$5,868/mo
▼ 0.25% · 3.875%
HK$96,486
−HK$2,957/mo
Today · 4.125%
HK$99,443
baseline
▲ 0.50% · 4.625%
HK$105,494
+HK$6,051/mo
Deposit HK$13.68M · loan HK$20.52M · min. income ≈ HK$198,886/mo (50% DSR)
Upfront cash ≈ HK$15.13M (deposit + AVD stamp duty HK$1,453,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,101
−HK$5,624/mo
▼ 0.25% · 3.875%
HK$106,893
−HK$2,832/mo
Today · 4.125%
HK$109,725
baseline
▲ 0.50% · 4.625%
HK$115,509
+HK$5,784/mo
Deposit HK$13.68M · loan HK$20.52M · min. income ≈ HK$219,450/mo (50% DSR)
Upfront cash ≈ HK$15.13M (deposit + AVD stamp duty HK$1,453,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,171
−HK$6,846/mo
▼ 0.25% · 3.875%
HK$112,567
−HK$3,450/mo
Today · 4.125%
HK$116,017
baseline
▲ 0.50% · 4.625%
HK$123,076
+HK$7,059/mo
Deposit HK$10.26M · loan HK$23.94M · min. income ≈ HK$232,034/mo (50% DSR)
Upfront cash ≈ HK$11.71M (deposit + AVD stamp duty HK$1,453,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,451
−HK$6,562/mo
▼ 0.25% · 3.875%
HK$124,709
−HK$3,304/mo
Today · 4.125%
HK$128,013
baseline
▲ 0.50% · 4.625%
HK$134,761
+HK$6,748/mo
Deposit HK$10.26M · loan HK$23.94M · min. income ≈ HK$256,026/mo (50% DSR)
Upfront cash ≈ HK$11.71M (deposit + AVD stamp duty HK$1,453,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,362
−HK$8,802/mo
▼ 0.25% · 3.875%
HK$144,729
−HK$4,435/mo
Today · 4.125%
HK$149,164
baseline
▲ 0.50% · 4.625%
HK$158,241
+HK$9,077/mo
Deposit HK$3.42M · loan HK$30.78M · min. income ≈ HK$298,328/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$1,453,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,152
−HK$8,436/mo
▼ 0.25% · 3.875%
HK$160,340
−HK$4,248/mo
Today · 4.125%
HK$164,588
baseline
▲ 0.50% · 4.625%
HK$173,264
+HK$8,676/mo
Deposit HK$3.42M · loan HK$30.78M · min. income ≈ HK$329,176/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$1,453,396 · Scale 2, in force from 26 Feb 2026)