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$77,990
−HK$4,891/mo
▼ 0.25% · 3.875%
HK$80,416
−HK$2,465/mo
Today · 4.125%
HK$82,881
baseline
▲ 0.50% · 4.625%
HK$87,924
+HK$5,043/mo
Deposit HK$17.10M · loan HK$17.10M · min. income ≈ HK$165,762/mo (50% DSR)
Upfront cash ≈ HK$18.55M (deposit + AVD stamp duty HK$1,453,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,763
−HK$4,688/mo
▼ 0.25% · 3.875%
HK$89,090
−HK$2,361/mo
Today · 4.125%
HK$91,451
baseline
▲ 0.50% · 4.625%
HK$96,271
+HK$4,820/mo
Deposit HK$17.10M · loan HK$17.10M · min. income ≈ HK$182,902/mo (50% DSR)
Upfront cash ≈ HK$18.55M (deposit + AVD stamp duty HK$1,453,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,588
−HK$5,869/mo
▼ 0.25% · 3.875%
HK$96,499
−HK$2,958/mo
Today · 4.125%
HK$99,457
baseline
▲ 0.50% · 4.625%
HK$105,508
+HK$6,051/mo
Deposit HK$13.68M · loan HK$20.52M · min. income ≈ HK$198,914/mo (50% DSR)
Upfront cash ≈ HK$15.13M (deposit + AVD stamp duty HK$1,453,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,116
−HK$5,625/mo
▼ 0.25% · 3.875%
HK$106,908
−HK$2,833/mo
Today · 4.125%
HK$109,741
baseline
▲ 0.50% · 4.625%
HK$115,525
+HK$5,784/mo
Deposit HK$13.68M · loan HK$20.52M · min. income ≈ HK$219,482/mo (50% DSR)
Upfront cash ≈ HK$15.13M (deposit + AVD stamp duty HK$1,453,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,186
−HK$6,847/mo
▼ 0.25% · 3.875%
HK$112,582
−HK$3,451/mo
Today · 4.125%
HK$116,033
baseline
▲ 0.50% · 4.625%
HK$123,093
+HK$7,060/mo
Deposit HK$10.26M · loan HK$23.94M · min. income ≈ HK$232,066/mo (50% DSR)
Upfront cash ≈ HK$11.71M (deposit + AVD stamp duty HK$1,453,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,468
−HK$6,563/mo
▼ 0.25% · 3.875%
HK$124,726
−HK$3,305/mo
Today · 4.125%
HK$128,031
baseline
▲ 0.50% · 4.625%
HK$134,779
+HK$6,748/mo
Deposit HK$10.26M · loan HK$23.94M · min. income ≈ HK$256,062/mo (50% DSR)
Upfront cash ≈ HK$11.71M (deposit + AVD stamp duty HK$1,453,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,382
−HK$8,803/mo
▼ 0.25% · 3.875%
HK$144,749
−HK$4,436/mo
Today · 4.125%
HK$149,185
baseline
▲ 0.50% · 4.625%
HK$158,263
+HK$9,078/mo
Deposit HK$3.42M · loan HK$30.78M · min. income ≈ HK$298,370/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$1,453,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,173
−HK$8,438/mo
▼ 0.25% · 3.875%
HK$160,362
−HK$4,249/mo
Today · 4.125%
HK$164,611
baseline
▲ 0.50% · 4.625%
HK$173,288
+HK$8,677/mo
Deposit HK$3.42M · loan HK$30.78M · min. income ≈ HK$329,222/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$1,453,597 · Scale 2, in force from 26 Feb 2026)