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$77,916
−HK$4,886/mo
▼ 0.25% · 3.875%
HK$80,340
−HK$2,462/mo
Today · 4.125%
HK$82,802
baseline
▲ 0.50% · 4.625%
HK$87,841
+HK$5,039/mo
Deposit HK$17.08M · loan HK$17.08M · min. income ≈ HK$165,604/mo (50% DSR)
Upfront cash ≈ HK$18.54M (deposit + AVD stamp duty HK$1,452,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,681
−HK$4,683/mo
▼ 0.25% · 3.875%
HK$89,006
−HK$2,358/mo
Today · 4.125%
HK$91,364
baseline
▲ 0.50% · 4.625%
HK$96,180
+HK$4,816/mo
Deposit HK$17.08M · loan HK$17.08M · min. income ≈ HK$182,728/mo (50% DSR)
Upfront cash ≈ HK$18.54M (deposit + AVD stamp duty HK$1,452,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,500
−HK$5,863/mo
▼ 0.25% · 3.875%
HK$96,408
−HK$2,955/mo
Today · 4.125%
HK$99,363
baseline
▲ 0.50% · 4.625%
HK$105,409
+HK$6,046/mo
Deposit HK$13.67M · loan HK$20.50M · min. income ≈ HK$198,726/mo (50% DSR)
Upfront cash ≈ HK$15.12M (deposit + AVD stamp duty HK$1,452,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,017
−HK$5,620/mo
▼ 0.25% · 3.875%
HK$106,807
−HK$2,830/mo
Today · 4.125%
HK$109,637
baseline
▲ 0.50% · 4.625%
HK$115,416
+HK$5,779/mo
Deposit HK$13.67M · loan HK$20.50M · min. income ≈ HK$219,274/mo (50% DSR)
Upfront cash ≈ HK$15.12M (deposit + AVD stamp duty HK$1,452,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,083
−HK$6,840/mo
▼ 0.25% · 3.875%
HK$112,476
−HK$3,447/mo
Today · 4.125%
HK$115,923
baseline
▲ 0.50% · 4.625%
HK$122,977
+HK$7,054/mo
Deposit HK$10.25M · loan HK$23.92M · min. income ≈ HK$231,846/mo (50% DSR)
Upfront cash ≈ HK$11.70M (deposit + AVD stamp duty HK$1,452,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,354
−HK$6,556/mo
▼ 0.25% · 3.875%
HK$124,608
−HK$3,302/mo
Today · 4.125%
HK$127,910
baseline
▲ 0.50% · 4.625%
HK$134,652
+HK$6,742/mo
Deposit HK$10.25M · loan HK$23.92M · min. income ≈ HK$255,820/mo (50% DSR)
Upfront cash ≈ HK$11.70M (deposit + AVD stamp duty HK$1,452,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,249
−HK$8,795/mo
▼ 0.25% · 3.875%
HK$144,612
−HK$4,432/mo
Today · 4.125%
HK$149,044
baseline
▲ 0.50% · 4.625%
HK$158,113
+HK$9,069/mo
Deposit HK$3.42M · loan HK$30.75M · min. income ≈ HK$298,088/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$1,452,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,026
−HK$8,430/mo
▼ 0.25% · 3.875%
HK$160,211
−HK$4,245/mo
Today · 4.125%
HK$164,456
baseline
▲ 0.50% · 4.625%
HK$173,124
+HK$8,668/mo
Deposit HK$3.42M · loan HK$30.75M · min. income ≈ HK$328,912/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$1,452,225 · Scale 2, in force from 26 Feb 2026)