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$77,865
−HK$4,882/mo
▼ 0.25% · 3.875%
HK$80,287
−HK$2,460/mo
Today · 4.125%
HK$82,747
baseline
▲ 0.50% · 4.625%
HK$87,782
+HK$5,035/mo
Deposit HK$17.07M · loan HK$17.07M · min. income ≈ HK$165,494/mo (50% DSR)
Upfront cash ≈ HK$18.52M (deposit + AVD stamp duty HK$1,451,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,624
−HK$4,680/mo
▼ 0.25% · 3.875%
HK$88,947
−HK$2,357/mo
Today · 4.125%
HK$91,304
baseline
▲ 0.50% · 4.625%
HK$96,116
+HK$4,812/mo
Deposit HK$17.07M · loan HK$17.07M · min. income ≈ HK$182,608/mo (50% DSR)
Upfront cash ≈ HK$18.52M (deposit + AVD stamp duty HK$1,451,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,437
−HK$5,860/mo
▼ 0.25% · 3.875%
HK$96,344
−HK$2,953/mo
Today · 4.125%
HK$99,297
baseline
▲ 0.50% · 4.625%
HK$105,339
+HK$6,042/mo
Deposit HK$13.66M · loan HK$20.49M · min. income ≈ HK$198,594/mo (50% DSR)
Upfront cash ≈ HK$15.11M (deposit + AVD stamp duty HK$1,451,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,948
−HK$5,616/mo
▼ 0.25% · 3.875%
HK$106,736
−HK$2,828/mo
Today · 4.125%
HK$109,564
baseline
▲ 0.50% · 4.625%
HK$115,339
+HK$5,775/mo
Deposit HK$13.66M · loan HK$20.49M · min. income ≈ HK$219,128/mo (50% DSR)
Upfront cash ≈ HK$15.11M (deposit + AVD stamp duty HK$1,451,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,010
−HK$6,836/mo
▼ 0.25% · 3.875%
HK$112,401
−HK$3,445/mo
Today · 4.125%
HK$115,846
baseline
▲ 0.50% · 4.625%
HK$122,895
+HK$7,049/mo
Deposit HK$10.24M · loan HK$23.90M · min. income ≈ HK$231,692/mo (50% DSR)
Upfront cash ≈ HK$11.70M (deposit + AVD stamp duty HK$1,451,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,273
−HK$6,552/mo
▼ 0.25% · 3.875%
HK$124,525
−HK$3,300/mo
Today · 4.125%
HK$127,825
baseline
▲ 0.50% · 4.625%
HK$134,563
+HK$6,738/mo
Deposit HK$10.24M · loan HK$23.90M · min. income ≈ HK$255,650/mo (50% DSR)
Upfront cash ≈ HK$11.70M (deposit + AVD stamp duty HK$1,451,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,156
−HK$8,789/mo
▼ 0.25% · 3.875%
HK$144,516
−HK$4,429/mo
Today · 4.125%
HK$148,945
baseline
▲ 0.50% · 4.625%
HK$158,008
+HK$9,063/mo
Deposit HK$3.41M · loan HK$30.73M · min. income ≈ HK$297,890/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$1,451,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,922
−HK$8,424/mo
▼ 0.25% · 3.875%
HK$160,104
−HK$4,242/mo
Today · 4.125%
HK$164,346
baseline
▲ 0.50% · 4.625%
HK$173,009
+HK$8,663/mo
Deposit HK$3.41M · loan HK$30.73M · min. income ≈ HK$328,692/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$1,451,259 · Scale 2, in force from 26 Feb 2026)