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$78,084
−HK$4,896/mo
▼ 0.25% · 3.875%
HK$80,513
−HK$2,467/mo
Today · 4.125%
HK$82,980
baseline
▲ 0.50% · 4.625%
HK$88,030
+HK$5,050/mo
Deposit HK$17.12M · loan HK$17.12M · min. income ≈ HK$165,960/mo (50% DSR)
Upfront cash ≈ HK$18.58M (deposit + AVD stamp duty HK$1,455,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,868
−HK$4,693/mo
▼ 0.25% · 3.875%
HK$89,197
−HK$2,364/mo
Today · 4.125%
HK$91,561
baseline
▲ 0.50% · 4.625%
HK$96,387
+HK$4,826/mo
Deposit HK$17.12M · loan HK$17.12M · min. income ≈ HK$183,122/mo (50% DSR)
Upfront cash ≈ HK$18.58M (deposit + AVD stamp duty HK$1,455,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,701
−HK$5,875/mo
▼ 0.25% · 3.875%
HK$96,615
−HK$2,961/mo
Today · 4.125%
HK$99,576
baseline
▲ 0.50% · 4.625%
HK$105,635
+HK$6,059/mo
Deposit HK$13.70M · loan HK$20.55M · min. income ≈ HK$199,152/mo (50% DSR)
Upfront cash ≈ HK$15.15M (deposit + AVD stamp duty HK$1,455,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,241
−HK$5,632/mo
▼ 0.25% · 3.875%
HK$107,037
−HK$2,836/mo
Today · 4.125%
HK$109,873
baseline
▲ 0.50% · 4.625%
HK$115,664
+HK$5,791/mo
Deposit HK$13.70M · loan HK$20.55M · min. income ≈ HK$219,746/mo (50% DSR)
Upfront cash ≈ HK$15.15M (deposit + AVD stamp duty HK$1,455,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,317
−HK$6,856/mo
▼ 0.25% · 3.875%
HK$112,718
−HK$3,455/mo
Today · 4.125%
HK$116,173
baseline
▲ 0.50% · 4.625%
HK$123,241
+HK$7,068/mo
Deposit HK$10.27M · loan HK$23.97M · min. income ≈ HK$232,346/mo (50% DSR)
Upfront cash ≈ HK$11.73M (deposit + AVD stamp duty HK$1,455,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,615
−HK$6,570/mo
▼ 0.25% · 3.875%
HK$124,876
−HK$3,309/mo
Today · 4.125%
HK$128,185
baseline
▲ 0.50% · 4.625%
HK$134,942
+HK$6,757/mo
Deposit HK$10.27M · loan HK$23.97M · min. income ≈ HK$256,370/mo (50% DSR)
Upfront cash ≈ HK$11.73M (deposit + AVD stamp duty HK$1,455,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,551
−HK$8,814/mo
▼ 0.25% · 3.875%
HK$144,923
−HK$4,442/mo
Today · 4.125%
HK$149,365
baseline
▲ 0.50% · 4.625%
HK$158,453
+HK$9,088/mo
Deposit HK$3.42M · loan HK$30.82M · min. income ≈ HK$298,730/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$1,455,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,362
−HK$8,447/mo
▼ 0.25% · 3.875%
HK$160,555
−HK$4,254/mo
Today · 4.125%
HK$164,809
baseline
▲ 0.50% · 4.625%
HK$173,497
+HK$8,688/mo
Deposit HK$3.42M · loan HK$30.82M · min. income ≈ HK$329,618/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$1,455,347 · Scale 2, in force from 26 Feb 2026)