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$77,929
−HK$4,886/mo
▼ 0.25% · 3.875%
HK$80,353
−HK$2,462/mo
Today · 4.125%
HK$82,815
baseline
▲ 0.50% · 4.625%
HK$87,854
+HK$5,039/mo
Deposit HK$17.09M · loan HK$17.09M · min. income ≈ HK$165,630/mo (50% DSR)
Upfront cash ≈ HK$18.54M (deposit + AVD stamp duty HK$1,452,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,695
−HK$4,684/mo
▼ 0.25% · 3.875%
HK$89,020
−HK$2,359/mo
Today · 4.125%
HK$91,379
baseline
▲ 0.50% · 4.625%
HK$96,195
+HK$4,816/mo
Deposit HK$17.09M · loan HK$17.09M · min. income ≈ HK$182,758/mo (50% DSR)
Upfront cash ≈ HK$18.54M (deposit + AVD stamp duty HK$1,452,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,514
−HK$5,864/mo
▼ 0.25% · 3.875%
HK$96,423
−HK$2,955/mo
Today · 4.125%
HK$99,378
baseline
▲ 0.50% · 4.625%
HK$105,425
+HK$6,047/mo
Deposit HK$13.67M · loan HK$20.51M · min. income ≈ HK$198,756/mo (50% DSR)
Upfront cash ≈ HK$15.12M (deposit + AVD stamp duty HK$1,452,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,034
−HK$5,620/mo
▼ 0.25% · 3.875%
HK$106,824
−HK$2,830/mo
Today · 4.125%
HK$109,654
baseline
▲ 0.50% · 4.625%
HK$115,434
+HK$5,780/mo
Deposit HK$13.67M · loan HK$20.51M · min. income ≈ HK$219,308/mo (50% DSR)
Upfront cash ≈ HK$15.12M (deposit + AVD stamp duty HK$1,452,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,100
−HK$6,841/mo
▼ 0.25% · 3.875%
HK$112,494
−HK$3,447/mo
Today · 4.125%
HK$115,941
baseline
▲ 0.50% · 4.625%
HK$122,996
+HK$7,055/mo
Deposit HK$10.25M · loan HK$23.92M · min. income ≈ HK$231,882/mo (50% DSR)
Upfront cash ≈ HK$11.71M (deposit + AVD stamp duty HK$1,452,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,373
−HK$6,557/mo
▼ 0.25% · 3.875%
HK$124,628
−HK$3,302/mo
Today · 4.125%
HK$127,930
baseline
▲ 0.50% · 4.625%
HK$134,673
+HK$6,743/mo
Deposit HK$10.25M · loan HK$23.92M · min. income ≈ HK$255,860/mo (50% DSR)
Upfront cash ≈ HK$11.71M (deposit + AVD stamp duty HK$1,452,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,271
−HK$8,797/mo
▼ 0.25% · 3.875%
HK$144,635
−HK$4,433/mo
Today · 4.125%
HK$149,068
baseline
▲ 0.50% · 4.625%
HK$158,138
+HK$9,070/mo
Deposit HK$3.42M · loan HK$30.76M · min. income ≈ HK$298,136/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$1,452,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,050
−HK$8,431/mo
▼ 0.25% · 3.875%
HK$160,236
−HK$4,245/mo
Today · 4.125%
HK$164,481
baseline
▲ 0.50% · 4.625%
HK$173,151
+HK$8,670/mo
Deposit HK$3.42M · loan HK$30.76M · min. income ≈ HK$328,962/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$1,452,452 · Scale 2, in force from 26 Feb 2026)