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$77,952
−HK$4,889/mo
▼ 0.25% · 3.875%
HK$80,377
−HK$2,464/mo
Today · 4.125%
HK$82,841
baseline
▲ 0.50% · 4.625%
HK$87,881
+HK$5,040/mo
Deposit HK$17.09M · loan HK$17.09M · min. income ≈ HK$165,682/mo (50% DSR)
Upfront cash ≈ HK$18.55M (deposit + AVD stamp duty HK$1,452,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,721
−HK$4,685/mo
▼ 0.25% · 3.875%
HK$89,047
−HK$2,359/mo
Today · 4.125%
HK$91,406
baseline
▲ 0.50% · 4.625%
HK$96,224
+HK$4,818/mo
Deposit HK$17.09M · loan HK$17.09M · min. income ≈ HK$182,812/mo (50% DSR)
Upfront cash ≈ HK$18.55M (deposit + AVD stamp duty HK$1,452,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,543
−HK$5,866/mo
▼ 0.25% · 3.875%
HK$96,452
−HK$2,957/mo
Today · 4.125%
HK$99,409
baseline
▲ 0.50% · 4.625%
HK$105,457
+HK$6,048/mo
Deposit HK$13.67M · loan HK$20.51M · min. income ≈ HK$198,818/mo (50% DSR)
Upfront cash ≈ HK$15.13M (deposit + AVD stamp duty HK$1,452,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,065
−HK$5,623/mo
▼ 0.25% · 3.875%
HK$106,856
−HK$2,832/mo
Today · 4.125%
HK$109,688
baseline
▲ 0.50% · 4.625%
HK$115,469
+HK$5,781/mo
Deposit HK$13.67M · loan HK$20.51M · min. income ≈ HK$219,376/mo (50% DSR)
Upfront cash ≈ HK$15.13M (deposit + AVD stamp duty HK$1,452,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,133
−HK$6,844/mo
▼ 0.25% · 3.875%
HK$112,528
−HK$3,449/mo
Today · 4.125%
HK$115,977
baseline
▲ 0.50% · 4.625%
HK$123,034
+HK$7,057/mo
Deposit HK$10.26M · loan HK$23.93M · min. income ≈ HK$231,954/mo (50% DSR)
Upfront cash ≈ HK$11.71M (deposit + AVD stamp duty HK$1,452,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,409
−HK$6,560/mo
▼ 0.25% · 3.875%
HK$124,666
−HK$3,303/mo
Today · 4.125%
HK$127,969
baseline
▲ 0.50% · 4.625%
HK$134,714
+HK$6,745/mo
Deposit HK$10.26M · loan HK$23.93M · min. income ≈ HK$255,938/mo (50% DSR)
Upfront cash ≈ HK$11.71M (deposit + AVD stamp duty HK$1,452,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,314
−HK$8,799/mo
▼ 0.25% · 3.875%
HK$144,679
−HK$4,434/mo
Today · 4.125%
HK$149,113
baseline
▲ 0.50% · 4.625%
HK$158,186
+HK$9,073/mo
Deposit HK$3.42M · loan HK$30.77M · min. income ≈ HK$298,226/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$1,452,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,098
−HK$8,433/mo
▼ 0.25% · 3.875%
HK$160,284
−HK$4,247/mo
Today · 4.125%
HK$164,531
baseline
▲ 0.50% · 4.625%
HK$173,204
+HK$8,673/mo
Deposit HK$3.42M · loan HK$30.77M · min. income ≈ HK$329,062/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$1,452,894 · Scale 2, in force from 26 Feb 2026)