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$77,861
−HK$4,882/mo
▼ 0.25% · 3.875%
HK$80,282
−HK$2,461/mo
Today · 4.125%
HK$82,743
baseline
▲ 0.50% · 4.625%
HK$87,778
+HK$5,035/mo
Deposit HK$17.07M · loan HK$17.07M · min. income ≈ HK$165,486/mo (50% DSR)
Upfront cash ≈ HK$18.52M (deposit + AVD stamp duty HK$1,451,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,619
−HK$4,680/mo
▼ 0.25% · 3.875%
HK$88,942
−HK$2,357/mo
Today · 4.125%
HK$91,299
baseline
▲ 0.50% · 4.625%
HK$96,111
+HK$4,812/mo
Deposit HK$17.07M · loan HK$17.07M · min. income ≈ HK$182,598/mo (50% DSR)
Upfront cash ≈ HK$18.52M (deposit + AVD stamp duty HK$1,451,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,433
−HK$5,859/mo
▼ 0.25% · 3.875%
HK$96,339
−HK$2,953/mo
Today · 4.125%
HK$99,292
baseline
▲ 0.50% · 4.625%
HK$105,333
+HK$6,041/mo
Deposit HK$13.66M · loan HK$20.49M · min. income ≈ HK$198,584/mo (50% DSR)
Upfront cash ≈ HK$15.11M (deposit + AVD stamp duty HK$1,451,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,943
−HK$5,616/mo
▼ 0.25% · 3.875%
HK$106,731
−HK$2,828/mo
Today · 4.125%
HK$109,559
baseline
▲ 0.50% · 4.625%
HK$115,334
+HK$5,775/mo
Deposit HK$13.66M · loan HK$20.49M · min. income ≈ HK$219,118/mo (50% DSR)
Upfront cash ≈ HK$15.11M (deposit + AVD stamp duty HK$1,451,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,005
−HK$6,835/mo
▼ 0.25% · 3.875%
HK$112,395
−HK$3,445/mo
Today · 4.125%
HK$115,840
baseline
▲ 0.50% · 4.625%
HK$122,889
+HK$7,049/mo
Deposit HK$10.24M · loan HK$23.90M · min. income ≈ HK$231,680/mo (50% DSR)
Upfront cash ≈ HK$11.69M (deposit + AVD stamp duty HK$1,451,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,267
−HK$6,551/mo
▼ 0.25% · 3.875%
HK$124,519
−HK$3,299/mo
Today · 4.125%
HK$127,818
baseline
▲ 0.50% · 4.625%
HK$134,556
+HK$6,738/mo
Deposit HK$10.24M · loan HK$23.90M · min. income ≈ HK$255,636/mo (50% DSR)
Upfront cash ≈ HK$11.69M (deposit + AVD stamp duty HK$1,451,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,149
−HK$8,789/mo
▼ 0.25% · 3.875%
HK$144,508
−HK$4,430/mo
Today · 4.125%
HK$148,938
baseline
▲ 0.50% · 4.625%
HK$158,000
+HK$9,062/mo
Deposit HK$3.41M · loan HK$30.73M · min. income ≈ HK$297,876/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$1,451,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,914
−HK$8,424/mo
▼ 0.25% · 3.875%
HK$160,096
−HK$4,242/mo
Today · 4.125%
HK$164,338
baseline
▲ 0.50% · 4.625%
HK$173,000
+HK$8,662/mo
Deposit HK$3.41M · loan HK$30.73M · min. income ≈ HK$328,676/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$1,451,185 · Scale 2, in force from 26 Feb 2026)