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$78,055
−HK$4,895/mo
▼ 0.25% · 3.875%
HK$80,483
−HK$2,467/mo
Today · 4.125%
HK$82,950
baseline
▲ 0.50% · 4.625%
HK$87,997
+HK$5,047/mo
Deposit HK$17.12M · loan HK$17.12M · min. income ≈ HK$165,900/mo (50% DSR)
Upfront cash ≈ HK$18.57M (deposit + AVD stamp duty HK$1,454,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,835
−HK$4,692/mo
▼ 0.25% · 3.875%
HK$89,164
−HK$2,363/mo
Today · 4.125%
HK$91,527
baseline
▲ 0.50% · 4.625%
HK$96,351
+HK$4,824/mo
Deposit HK$17.12M · loan HK$17.12M · min. income ≈ HK$183,054/mo (50% DSR)
Upfront cash ≈ HK$18.57M (deposit + AVD stamp duty HK$1,454,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,666
−HK$5,874/mo
▼ 0.25% · 3.875%
HK$96,580
−HK$2,960/mo
Today · 4.125%
HK$99,540
baseline
▲ 0.50% · 4.625%
HK$105,597
+HK$6,057/mo
Deposit HK$13.69M · loan HK$20.54M · min. income ≈ HK$199,080/mo (50% DSR)
Upfront cash ≈ HK$15.15M (deposit + AVD stamp duty HK$1,454,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,203
−HK$5,629/mo
▼ 0.25% · 3.875%
HK$106,997
−HK$2,835/mo
Today · 4.125%
HK$109,832
baseline
▲ 0.50% · 4.625%
HK$115,622
+HK$5,790/mo
Deposit HK$13.69M · loan HK$20.54M · min. income ≈ HK$219,664/mo (50% DSR)
Upfront cash ≈ HK$15.15M (deposit + AVD stamp duty HK$1,454,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,277
−HK$6,853/mo
▼ 0.25% · 3.875%
HK$112,676
−HK$3,454/mo
Today · 4.125%
HK$116,130
baseline
▲ 0.50% · 4.625%
HK$123,196
+HK$7,066/mo
Deposit HK$10.27M · loan HK$23.96M · min. income ≈ HK$232,260/mo (50% DSR)
Upfront cash ≈ HK$11.72M (deposit + AVD stamp duty HK$1,454,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,570
−HK$6,568/mo
▼ 0.25% · 3.875%
HK$124,830
−HK$3,308/mo
Today · 4.125%
HK$128,138
baseline
▲ 0.50% · 4.625%
HK$134,892
+HK$6,754/mo
Deposit HK$10.27M · loan HK$23.96M · min. income ≈ HK$256,276/mo (50% DSR)
Upfront cash ≈ HK$11.72M (deposit + AVD stamp duty HK$1,454,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,499
−HK$8,811/mo
▼ 0.25% · 3.875%
HK$144,869
−HK$4,441/mo
Today · 4.125%
HK$149,310
baseline
▲ 0.50% · 4.625%
HK$158,395
+HK$9,085/mo
Deposit HK$3.42M · loan HK$30.81M · min. income ≈ HK$298,620/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$1,454,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,304
−HK$8,444/mo
▼ 0.25% · 3.875%
HK$160,496
−HK$4,252/mo
Today · 4.125%
HK$164,748
baseline
▲ 0.50% · 4.625%
HK$173,433
+HK$8,685/mo
Deposit HK$3.42M · loan HK$30.81M · min. income ≈ HK$329,496/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$1,454,811 · Scale 2, in force from 26 Feb 2026)