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$78,103
−HK$4,897/mo
▼ 0.25% · 3.875%
HK$80,532
−HK$2,468/mo
Today · 4.125%
HK$83,000
baseline
▲ 0.50% · 4.625%
HK$88,051
+HK$5,051/mo
Deposit HK$17.13M · loan HK$17.13M · min. income ≈ HK$166,000/mo (50% DSR)
Upfront cash ≈ HK$18.58M (deposit + AVD stamp duty HK$1,455,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,888
−HK$4,695/mo
▼ 0.25% · 3.875%
HK$89,219
−HK$2,364/mo
Today · 4.125%
HK$91,583
baseline
▲ 0.50% · 4.625%
HK$96,410
+HK$4,827/mo
Deposit HK$17.13M · loan HK$17.13M · min. income ≈ HK$183,166/mo (50% DSR)
Upfront cash ≈ HK$18.58M (deposit + AVD stamp duty HK$1,455,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,723
−HK$5,877/mo
▼ 0.25% · 3.875%
HK$96,638
−HK$2,962/mo
Today · 4.125%
HK$99,600
baseline
▲ 0.50% · 4.625%
HK$105,661
+HK$6,061/mo
Deposit HK$13.70M · loan HK$20.55M · min. income ≈ HK$199,200/mo (50% DSR)
Upfront cash ≈ HK$15.16M (deposit + AVD stamp duty HK$1,455,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,266
−HK$5,633/mo
▼ 0.25% · 3.875%
HK$107,062
−HK$2,837/mo
Today · 4.125%
HK$109,899
baseline
▲ 0.50% · 4.625%
HK$115,692
+HK$5,793/mo
Deposit HK$13.70M · loan HK$20.55M · min. income ≈ HK$219,798/mo (50% DSR)
Upfront cash ≈ HK$15.16M (deposit + AVD stamp duty HK$1,455,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,344
−HK$6,856/mo
▼ 0.25% · 3.875%
HK$112,745
−HK$3,455/mo
Today · 4.125%
HK$116,200
baseline
▲ 0.50% · 4.625%
HK$123,271
+HK$7,071/mo
Deposit HK$10.28M · loan HK$23.98M · min. income ≈ HK$232,400/mo (50% DSR)
Upfront cash ≈ HK$11.73M (deposit + AVD stamp duty HK$1,455,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,644
−HK$6,572/mo
▼ 0.25% · 3.875%
HK$124,906
−HK$3,310/mo
Today · 4.125%
HK$128,216
baseline
▲ 0.50% · 4.625%
HK$134,974
+HK$6,758/mo
Deposit HK$10.28M · loan HK$23.98M · min. income ≈ HK$256,432/mo (50% DSR)
Upfront cash ≈ HK$11.73M (deposit + AVD stamp duty HK$1,455,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,585
−HK$8,815/mo
▼ 0.25% · 3.875%
HK$144,958
−HK$4,442/mo
Today · 4.125%
HK$149,400
baseline
▲ 0.50% · 4.625%
HK$158,491
+HK$9,091/mo
Deposit HK$3.43M · loan HK$30.83M · min. income ≈ HK$298,800/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$1,455,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,399
−HK$8,450/mo
▼ 0.25% · 3.875%
HK$160,593
−HK$4,256/mo
Today · 4.125%
HK$164,849
baseline
▲ 0.50% · 4.625%
HK$173,538
+HK$8,689/mo
Deposit HK$3.43M · loan HK$30.83M · min. income ≈ HK$329,698/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$1,455,695 · Scale 2, in force from 26 Feb 2026)