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$77,969
−HK$4,890/mo
▼ 0.25% · 3.875%
HK$80,395
−HK$2,464/mo
Today · 4.125%
HK$82,859
baseline
▲ 0.50% · 4.625%
HK$87,900
+HK$5,041/mo
Deposit HK$17.10M · loan HK$17.10M · min. income ≈ HK$165,718/mo (50% DSR)
Upfront cash ≈ HK$18.55M (deposit + AVD stamp duty HK$1,453,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,740
−HK$4,686/mo
▼ 0.25% · 3.875%
HK$89,066
−HK$2,360/mo
Today · 4.125%
HK$91,426
baseline
▲ 0.50% · 4.625%
HK$96,246
+HK$4,820/mo
Deposit HK$17.10M · loan HK$17.10M · min. income ≈ HK$182,852/mo (50% DSR)
Upfront cash ≈ HK$18.55M (deposit + AVD stamp duty HK$1,453,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,563
−HK$5,867/mo
▼ 0.25% · 3.875%
HK$96,473
−HK$2,957/mo
Today · 4.125%
HK$99,430
baseline
▲ 0.50% · 4.625%
HK$105,480
+HK$6,050/mo
Deposit HK$13.68M · loan HK$20.52M · min. income ≈ HK$198,860/mo (50% DSR)
Upfront cash ≈ HK$15.13M (deposit + AVD stamp duty HK$1,453,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,088
−HK$5,624/mo
▼ 0.25% · 3.875%
HK$106,880
−HK$2,832/mo
Today · 4.125%
HK$109,712
baseline
▲ 0.50% · 4.625%
HK$115,495
+HK$5,783/mo
Deposit HK$13.68M · loan HK$20.52M · min. income ≈ HK$219,424/mo (50% DSR)
Upfront cash ≈ HK$15.13M (deposit + AVD stamp duty HK$1,453,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,157
−HK$6,845/mo
▼ 0.25% · 3.875%
HK$112,552
−HK$3,450/mo
Today · 4.125%
HK$116,002
baseline
▲ 0.50% · 4.625%
HK$123,061
+HK$7,059/mo
Deposit HK$10.26M · loan HK$23.94M · min. income ≈ HK$232,004/mo (50% DSR)
Upfront cash ≈ HK$11.71M (deposit + AVD stamp duty HK$1,453,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,436
−HK$6,561/mo
▼ 0.25% · 3.875%
HK$124,693
−HK$3,304/mo
Today · 4.125%
HK$127,997
baseline
▲ 0.50% · 4.625%
HK$134,744
+HK$6,747/mo
Deposit HK$10.26M · loan HK$23.94M · min. income ≈ HK$255,994/mo (50% DSR)
Upfront cash ≈ HK$11.71M (deposit + AVD stamp duty HK$1,453,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,345
−HK$8,801/mo
▼ 0.25% · 3.875%
HK$144,710
−HK$4,436/mo
Today · 4.125%
HK$149,146
baseline
▲ 0.50% · 4.625%
HK$158,221
+HK$9,075/mo
Deposit HK$3.42M · loan HK$30.77M · min. income ≈ HK$298,292/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$1,453,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,132
−HK$8,435/mo
▼ 0.25% · 3.875%
HK$160,319
−HK$4,248/mo
Today · 4.125%
HK$164,567
baseline
▲ 0.50% · 4.625%
HK$173,242
+HK$8,675/mo
Deposit HK$3.42M · loan HK$30.77M · min. income ≈ HK$329,134/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$1,453,212 · Scale 2, in force from 26 Feb 2026)