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$77,913
−HK$4,886/mo
▼ 0.25% · 3.875%
HK$80,336
−HK$2,463/mo
Today · 4.125%
HK$82,799
baseline
▲ 0.50% · 4.625%
HK$87,837
+HK$5,038/mo
Deposit HK$17.08M · loan HK$17.08M · min. income ≈ HK$165,598/mo (50% DSR)
Upfront cash ≈ HK$18.54M (deposit + AVD stamp duty HK$1,452,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,677
−HK$4,683/mo
▼ 0.25% · 3.875%
HK$89,002
−HK$2,358/mo
Today · 4.125%
HK$91,360
baseline
▲ 0.50% · 4.625%
HK$96,176
+HK$4,816/mo
Deposit HK$17.08M · loan HK$17.08M · min. income ≈ HK$182,720/mo (50% DSR)
Upfront cash ≈ HK$18.54M (deposit + AVD stamp duty HK$1,452,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,495
−HK$5,863/mo
▼ 0.25% · 3.875%
HK$96,404
−HK$2,954/mo
Today · 4.125%
HK$99,358
baseline
▲ 0.50% · 4.625%
HK$105,404
+HK$6,046/mo
Deposit HK$13.67M · loan HK$20.50M · min. income ≈ HK$198,716/mo (50% DSR)
Upfront cash ≈ HK$15.12M (deposit + AVD stamp duty HK$1,452,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,013
−HK$5,619/mo
▼ 0.25% · 3.875%
HK$106,802
−HK$2,830/mo
Today · 4.125%
HK$109,632
baseline
▲ 0.50% · 4.625%
HK$115,411
+HK$5,779/mo
Deposit HK$13.67M · loan HK$20.50M · min. income ≈ HK$219,264/mo (50% DSR)
Upfront cash ≈ HK$15.12M (deposit + AVD stamp duty HK$1,452,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,078
−HK$6,840/mo
▼ 0.25% · 3.875%
HK$112,471
−HK$3,447/mo
Today · 4.125%
HK$115,918
baseline
▲ 0.50% · 4.625%
HK$122,972
+HK$7,054/mo
Deposit HK$10.25M · loan HK$23.92M · min. income ≈ HK$231,836/mo (50% DSR)
Upfront cash ≈ HK$11.70M (deposit + AVD stamp duty HK$1,452,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,348
−HK$6,556/mo
▼ 0.25% · 3.875%
HK$124,603
−HK$3,301/mo
Today · 4.125%
HK$127,904
baseline
▲ 0.50% · 4.625%
HK$134,646
+HK$6,742/mo
Deposit HK$10.25M · loan HK$23.92M · min. income ≈ HK$255,808/mo (50% DSR)
Upfront cash ≈ HK$11.70M (deposit + AVD stamp duty HK$1,452,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,243
−HK$8,795/mo
▼ 0.25% · 3.875%
HK$144,606
−HK$4,432/mo
Today · 4.125%
HK$149,038
baseline
▲ 0.50% · 4.625%
HK$158,106
+HK$9,068/mo
Deposit HK$3.42M · loan HK$30.75M · min. income ≈ HK$298,076/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$1,452,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,019
−HK$8,429/mo
▼ 0.25% · 3.875%
HK$160,203
−HK$4,245/mo
Today · 4.125%
HK$164,448
baseline
▲ 0.50% · 4.625%
HK$173,117
+HK$8,669/mo
Deposit HK$3.42M · loan HK$30.75M · min. income ≈ HK$328,896/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$1,452,160 · Scale 2, in force from 26 Feb 2026)