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$78,095
−HK$4,897/mo
▼ 0.25% · 3.875%
HK$80,524
−HK$2,468/mo
Today · 4.125%
HK$82,992
baseline
▲ 0.50% · 4.625%
HK$88,042
+HK$5,050/mo
Deposit HK$17.12M · loan HK$17.12M · min. income ≈ HK$165,984/mo (50% DSR)
Upfront cash ≈ HK$18.58M (deposit + AVD stamp duty HK$1,455,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,880
−HK$4,694/mo
▼ 0.25% · 3.875%
HK$89,210
−HK$2,364/mo
Today · 4.125%
HK$91,574
baseline
▲ 0.50% · 4.625%
HK$96,401
+HK$4,827/mo
Deposit HK$17.12M · loan HK$17.12M · min. income ≈ HK$183,148/mo (50% DSR)
Upfront cash ≈ HK$18.58M (deposit + AVD stamp duty HK$1,455,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,714
−HK$5,876/mo
▼ 0.25% · 3.875%
HK$96,629
−HK$2,961/mo
Today · 4.125%
HK$99,590
baseline
▲ 0.50% · 4.625%
HK$105,650
+HK$6,060/mo
Deposit HK$13.70M · loan HK$20.55M · min. income ≈ HK$199,180/mo (50% DSR)
Upfront cash ≈ HK$15.15M (deposit + AVD stamp duty HK$1,455,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,256
−HK$5,632/mo
▼ 0.25% · 3.875%
HK$107,052
−HK$2,836/mo
Today · 4.125%
HK$109,888
baseline
▲ 0.50% · 4.625%
HK$115,681
+HK$5,793/mo
Deposit HK$13.70M · loan HK$20.55M · min. income ≈ HK$219,776/mo (50% DSR)
Upfront cash ≈ HK$15.15M (deposit + AVD stamp duty HK$1,455,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,333
−HK$6,856/mo
▼ 0.25% · 3.875%
HK$112,734
−HK$3,455/mo
Today · 4.125%
HK$116,189
baseline
▲ 0.50% · 4.625%
HK$123,259
+HK$7,070/mo
Deposit HK$10.27M · loan HK$23.97M · min. income ≈ HK$232,378/mo (50% DSR)
Upfront cash ≈ HK$11.73M (deposit + AVD stamp duty HK$1,455,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,632
−HK$6,571/mo
▼ 0.25% · 3.875%
HK$124,894
−HK$3,309/mo
Today · 4.125%
HK$128,203
baseline
▲ 0.50% · 4.625%
HK$134,961
+HK$6,758/mo
Deposit HK$10.27M · loan HK$23.97M · min. income ≈ HK$256,406/mo (50% DSR)
Upfront cash ≈ HK$11.73M (deposit + AVD stamp duty HK$1,455,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,571
−HK$8,815/mo
▼ 0.25% · 3.875%
HK$144,943
−HK$4,443/mo
Today · 4.125%
HK$149,386
baseline
▲ 0.50% · 4.625%
HK$158,475
+HK$9,089/mo
Deposit HK$3.42M · loan HK$30.82M · min. income ≈ HK$298,772/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$1,455,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,383
−HK$8,449/mo
▼ 0.25% · 3.875%
HK$160,578
−HK$4,254/mo
Today · 4.125%
HK$164,832
baseline
▲ 0.50% · 4.625%
HK$173,521
+HK$8,689/mo
Deposit HK$3.42M · loan HK$30.82M · min. income ≈ HK$329,664/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$1,455,552 · Scale 2, in force from 26 Feb 2026)