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$78,057
−HK$4,895/mo
▼ 0.25% · 3.875%
HK$80,485
−HK$2,467/mo
Today · 4.125%
HK$82,952
baseline
▲ 0.50% · 4.625%
HK$88,000
+HK$5,048/mo
Deposit HK$17.12M · loan HK$17.12M · min. income ≈ HK$165,904/mo (50% DSR)
Upfront cash ≈ HK$18.57M (deposit + AVD stamp duty HK$1,454,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,838
−HK$4,692/mo
▼ 0.25% · 3.875%
HK$89,167
−HK$2,363/mo
Today · 4.125%
HK$91,530
baseline
▲ 0.50% · 4.625%
HK$96,354
+HK$4,824/mo
Deposit HK$17.12M · loan HK$17.12M · min. income ≈ HK$183,060/mo (50% DSR)
Upfront cash ≈ HK$18.57M (deposit + AVD stamp duty HK$1,454,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,669
−HK$5,874/mo
▼ 0.25% · 3.875%
HK$96,583
−HK$2,960/mo
Today · 4.125%
HK$99,543
baseline
▲ 0.50% · 4.625%
HK$105,600
+HK$6,057/mo
Deposit HK$13.69M · loan HK$20.54M · min. income ≈ HK$199,086/mo (50% DSR)
Upfront cash ≈ HK$15.15M (deposit + AVD stamp duty HK$1,454,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,206
−HK$5,630/mo
▼ 0.25% · 3.875%
HK$107,000
−HK$2,836/mo
Today · 4.125%
HK$109,836
baseline
▲ 0.50% · 4.625%
HK$115,625
+HK$5,789/mo
Deposit HK$13.69M · loan HK$20.54M · min. income ≈ HK$219,672/mo (50% DSR)
Upfront cash ≈ HK$15.15M (deposit + AVD stamp duty HK$1,454,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,280
−HK$6,853/mo
▼ 0.25% · 3.875%
HK$112,680
−HK$3,453/mo
Today · 4.125%
HK$116,133
baseline
▲ 0.50% · 4.625%
HK$123,200
+HK$7,067/mo
Deposit HK$10.27M · loan HK$23.96M · min. income ≈ HK$232,266/mo (50% DSR)
Upfront cash ≈ HK$11.72M (deposit + AVD stamp duty HK$1,454,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,573
−HK$6,569/mo
▼ 0.25% · 3.875%
HK$124,834
−HK$3,308/mo
Today · 4.125%
HK$128,142
baseline
▲ 0.50% · 4.625%
HK$134,896
+HK$6,754/mo
Deposit HK$10.27M · loan HK$23.96M · min. income ≈ HK$256,284/mo (50% DSR)
Upfront cash ≈ HK$11.72M (deposit + AVD stamp duty HK$1,454,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,503
−HK$8,811/mo
▼ 0.25% · 3.875%
HK$144,874
−HK$4,440/mo
Today · 4.125%
HK$149,314
baseline
▲ 0.50% · 4.625%
HK$158,400
+HK$9,086/mo
Deposit HK$3.42M · loan HK$30.81M · min. income ≈ HK$298,628/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$1,454,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,309
−HK$8,444/mo
▼ 0.25% · 3.875%
HK$160,501
−HK$4,252/mo
Today · 4.125%
HK$164,753
baseline
▲ 0.50% · 4.625%
HK$173,438
+HK$8,685/mo
Deposit HK$3.42M · loan HK$30.81M · min. income ≈ HK$329,506/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$1,454,855 · Scale 2, in force from 26 Feb 2026)