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$77,982
−HK$4,890/mo
▼ 0.25% · 3.875%
HK$80,407
−HK$2,465/mo
Today · 4.125%
HK$82,872
baseline
▲ 0.50% · 4.625%
HK$87,914
+HK$5,042/mo
Deposit HK$17.10M · loan HK$17.10M · min. income ≈ HK$165,744/mo (50% DSR)
Upfront cash ≈ HK$18.55M (deposit + AVD stamp duty HK$1,453,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,754
−HK$4,687/mo
▼ 0.25% · 3.875%
HK$89,081
−HK$2,360/mo
Today · 4.125%
HK$91,441
baseline
▲ 0.50% · 4.625%
HK$96,261
+HK$4,820/mo
Deposit HK$17.10M · loan HK$17.10M · min. income ≈ HK$182,882/mo (50% DSR)
Upfront cash ≈ HK$18.55M (deposit + AVD stamp duty HK$1,453,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,578
−HK$5,868/mo
▼ 0.25% · 3.875%
HK$96,489
−HK$2,957/mo
Today · 4.125%
HK$99,446
baseline
▲ 0.50% · 4.625%
HK$105,497
+HK$6,051/mo
Deposit HK$13.68M · loan HK$20.52M · min. income ≈ HK$198,892/mo (50% DSR)
Upfront cash ≈ HK$15.13M (deposit + AVD stamp duty HK$1,453,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,105
−HK$5,624/mo
▼ 0.25% · 3.875%
HK$106,897
−HK$2,832/mo
Today · 4.125%
HK$109,729
baseline
▲ 0.50% · 4.625%
HK$115,513
+HK$5,784/mo
Deposit HK$13.68M · loan HK$20.52M · min. income ≈ HK$219,458/mo (50% DSR)
Upfront cash ≈ HK$15.13M (deposit + AVD stamp duty HK$1,453,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,174
−HK$6,847/mo
▼ 0.25% · 3.875%
HK$112,570
−HK$3,451/mo
Today · 4.125%
HK$116,021
baseline
▲ 0.50% · 4.625%
HK$123,080
+HK$7,059/mo
Deposit HK$10.26M · loan HK$23.94M · min. income ≈ HK$232,042/mo (50% DSR)
Upfront cash ≈ HK$11.71M (deposit + AVD stamp duty HK$1,453,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,455
−HK$6,562/mo
▼ 0.25% · 3.875%
HK$124,713
−HK$3,304/mo
Today · 4.125%
HK$128,017
baseline
▲ 0.50% · 4.625%
HK$134,765
+HK$6,748/mo
Deposit HK$10.26M · loan HK$23.94M · min. income ≈ HK$256,034/mo (50% DSR)
Upfront cash ≈ HK$11.71M (deposit + AVD stamp duty HK$1,453,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,367
−HK$8,802/mo
▼ 0.25% · 3.875%
HK$144,733
−HK$4,436/mo
Today · 4.125%
HK$149,169
baseline
▲ 0.50% · 4.625%
HK$158,246
+HK$9,077/mo
Deposit HK$3.42M · loan HK$30.78M · min. income ≈ HK$298,338/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$1,453,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,157
−HK$8,437/mo
▼ 0.25% · 3.875%
HK$160,345
−HK$4,249/mo
Today · 4.125%
HK$164,594
baseline
▲ 0.50% · 4.625%
HK$173,270
+HK$8,676/mo
Deposit HK$3.42M · loan HK$30.78M · min. income ≈ HK$329,188/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$1,453,443 · Scale 2, in force from 26 Feb 2026)