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$78,080
−HK$4,897/mo
▼ 0.25% · 3.875%
HK$80,509
−HK$2,468/mo
Today · 4.125%
HK$82,977
baseline
▲ 0.50% · 4.625%
HK$88,026
+HK$5,049/mo
Deposit HK$17.12M · loan HK$17.12M · min. income ≈ HK$165,954/mo (50% DSR)
Upfront cash ≈ HK$18.58M (deposit + AVD stamp duty HK$1,455,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,864
−HK$4,693/mo
▼ 0.25% · 3.875%
HK$89,193
−HK$2,364/mo
Today · 4.125%
HK$91,557
baseline
▲ 0.50% · 4.625%
HK$96,383
+HK$4,826/mo
Deposit HK$17.12M · loan HK$17.12M · min. income ≈ HK$183,114/mo (50% DSR)
Upfront cash ≈ HK$18.58M (deposit + AVD stamp duty HK$1,455,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,696
−HK$5,876/mo
▼ 0.25% · 3.875%
HK$96,611
−HK$2,961/mo
Today · 4.125%
HK$99,572
baseline
▲ 0.50% · 4.625%
HK$105,631
+HK$6,059/mo
Deposit HK$13.70M · loan HK$20.55M · min. income ≈ HK$199,144/mo (50% DSR)
Upfront cash ≈ HK$15.15M (deposit + AVD stamp duty HK$1,455,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,236
−HK$5,632/mo
▼ 0.25% · 3.875%
HK$107,032
−HK$2,836/mo
Today · 4.125%
HK$109,868
baseline
▲ 0.50% · 4.625%
HK$115,659
+HK$5,791/mo
Deposit HK$13.70M · loan HK$20.55M · min. income ≈ HK$219,736/mo (50% DSR)
Upfront cash ≈ HK$15.15M (deposit + AVD stamp duty HK$1,455,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,313
−HK$6,854/mo
▼ 0.25% · 3.875%
HK$112,713
−HK$3,454/mo
Today · 4.125%
HK$116,167
baseline
▲ 0.50% · 4.625%
HK$123,236
+HK$7,069/mo
Deposit HK$10.27M · loan HK$23.97M · min. income ≈ HK$232,334/mo (50% DSR)
Upfront cash ≈ HK$11.73M (deposit + AVD stamp duty HK$1,455,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,609
−HK$6,570/mo
▼ 0.25% · 3.875%
HK$124,871
−HK$3,308/mo
Today · 4.125%
HK$128,179
baseline
▲ 0.50% · 4.625%
HK$134,936
+HK$6,757/mo
Deposit HK$10.27M · loan HK$23.97M · min. income ≈ HK$256,358/mo (50% DSR)
Upfront cash ≈ HK$11.73M (deposit + AVD stamp duty HK$1,455,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,545
−HK$8,813/mo
▼ 0.25% · 3.875%
HK$144,916
−HK$4,442/mo
Today · 4.125%
HK$149,358
baseline
▲ 0.50% · 4.625%
HK$158,446
+HK$9,088/mo
Deposit HK$3.42M · loan HK$30.82M · min. income ≈ HK$298,716/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$1,455,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,355
−HK$8,447/mo
▼ 0.25% · 3.875%
HK$160,548
−HK$4,254/mo
Today · 4.125%
HK$164,802
baseline
▲ 0.50% · 4.625%
HK$173,489
+HK$8,687/mo
Deposit HK$3.42M · loan HK$30.82M · min. income ≈ HK$329,604/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$1,455,282 · Scale 2, in force from 26 Feb 2026)