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$77,868
−HK$4,883/mo
▼ 0.25% · 3.875%
HK$80,291
−HK$2,460/mo
Today · 4.125%
HK$82,751
baseline
▲ 0.50% · 4.625%
HK$87,787
+HK$5,036/mo
Deposit HK$17.07M · loan HK$17.07M · min. income ≈ HK$165,502/mo (50% DSR)
Upfront cash ≈ HK$18.53M (deposit + AVD stamp duty HK$1,451,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,628
−HK$4,680/mo
▼ 0.25% · 3.875%
HK$88,951
−HK$2,357/mo
Today · 4.125%
HK$91,308
baseline
▲ 0.50% · 4.625%
HK$96,121
+HK$4,813/mo
Deposit HK$17.07M · loan HK$17.07M · min. income ≈ HK$182,616/mo (50% DSR)
Upfront cash ≈ HK$18.53M (deposit + AVD stamp duty HK$1,451,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,442
−HK$5,860/mo
▼ 0.25% · 3.875%
HK$96,349
−HK$2,953/mo
Today · 4.125%
HK$99,302
baseline
▲ 0.50% · 4.625%
HK$105,344
+HK$6,042/mo
Deposit HK$13.66M · loan HK$20.49M · min. income ≈ HK$198,604/mo (50% DSR)
Upfront cash ≈ HK$15.11M (deposit + AVD stamp duty HK$1,451,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,953
−HK$5,617/mo
▼ 0.25% · 3.875%
HK$106,741
−HK$2,829/mo
Today · 4.125%
HK$109,570
baseline
▲ 0.50% · 4.625%
HK$115,345
+HK$5,775/mo
Deposit HK$13.66M · loan HK$20.49M · min. income ≈ HK$219,140/mo (50% DSR)
Upfront cash ≈ HK$15.11M (deposit + AVD stamp duty HK$1,451,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,016
−HK$6,836/mo
▼ 0.25% · 3.875%
HK$112,407
−HK$3,445/mo
Today · 4.125%
HK$115,852
baseline
▲ 0.50% · 4.625%
HK$122,901
+HK$7,049/mo
Deposit HK$10.24M · loan HK$23.90M · min. income ≈ HK$231,704/mo (50% DSR)
Upfront cash ≈ HK$11.70M (deposit + AVD stamp duty HK$1,451,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,279
−HK$6,552/mo
▼ 0.25% · 3.875%
HK$124,532
−HK$3,299/mo
Today · 4.125%
HK$127,831
baseline
▲ 0.50% · 4.625%
HK$134,569
+HK$6,738/mo
Deposit HK$10.24M · loan HK$23.90M · min. income ≈ HK$255,662/mo (50% DSR)
Upfront cash ≈ HK$11.70M (deposit + AVD stamp duty HK$1,451,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,163
−HK$8,790/mo
▼ 0.25% · 3.875%
HK$144,523
−HK$4,430/mo
Today · 4.125%
HK$148,953
baseline
▲ 0.50% · 4.625%
HK$158,016
+HK$9,063/mo
Deposit HK$3.41M · loan HK$30.73M · min. income ≈ HK$297,906/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$1,451,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,930
−HK$8,424/mo
▼ 0.25% · 3.875%
HK$160,112
−HK$4,242/mo
Today · 4.125%
HK$164,354
baseline
▲ 0.50% · 4.625%
HK$173,018
+HK$8,664/mo
Deposit HK$3.41M · loan HK$30.73M · min. income ≈ HK$328,708/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$1,451,331 · Scale 2, in force from 26 Feb 2026)