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$78,030
−HK$4,893/mo
▼ 0.25% · 3.875%
HK$80,457
−HK$2,466/mo
Today · 4.125%
HK$82,923
baseline
▲ 0.50% · 4.625%
HK$87,969
+HK$5,046/mo
Deposit HK$17.11M · loan HK$17.11M · min. income ≈ HK$165,846/mo (50% DSR)
Upfront cash ≈ HK$18.56M (deposit + AVD stamp duty HK$1,454,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,808
−HK$4,690/mo
▼ 0.25% · 3.875%
HK$89,136
−HK$2,362/mo
Today · 4.125%
HK$91,498
baseline
▲ 0.50% · 4.625%
HK$96,321
+HK$4,823/mo
Deposit HK$17.11M · loan HK$17.11M · min. income ≈ HK$182,996/mo (50% DSR)
Upfront cash ≈ HK$18.56M (deposit + AVD stamp duty HK$1,454,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,636
−HK$5,872/mo
▼ 0.25% · 3.875%
HK$96,549
−HK$2,959/mo
Today · 4.125%
HK$99,508
baseline
▲ 0.50% · 4.625%
HK$105,563
+HK$6,055/mo
Deposit HK$13.69M · loan HK$20.53M · min. income ≈ HK$199,016/mo (50% DSR)
Upfront cash ≈ HK$15.14M (deposit + AVD stamp duty HK$1,454,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,169
−HK$5,628/mo
▼ 0.25% · 3.875%
HK$106,963
−HK$2,834/mo
Today · 4.125%
HK$109,797
baseline
▲ 0.50% · 4.625%
HK$115,585
+HK$5,788/mo
Deposit HK$13.69M · loan HK$20.53M · min. income ≈ HK$219,594/mo (50% DSR)
Upfront cash ≈ HK$15.14M (deposit + AVD stamp duty HK$1,454,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,242
−HK$6,851/mo
▼ 0.25% · 3.875%
HK$112,640
−HK$3,453/mo
Today · 4.125%
HK$116,093
baseline
▲ 0.50% · 4.625%
HK$123,156
+HK$7,063/mo
Deposit HK$10.27M · loan HK$23.95M · min. income ≈ HK$232,186/mo (50% DSR)
Upfront cash ≈ HK$11.72M (deposit + AVD stamp duty HK$1,454,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,531
−HK$6,566/mo
▼ 0.25% · 3.875%
HK$124,790
−HK$3,307/mo
Today · 4.125%
HK$128,097
baseline
▲ 0.50% · 4.625%
HK$134,849
+HK$6,752/mo
Deposit HK$10.27M · loan HK$23.95M · min. income ≈ HK$256,194/mo (50% DSR)
Upfront cash ≈ HK$11.72M (deposit + AVD stamp duty HK$1,454,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,454
−HK$8,808/mo
▼ 0.25% · 3.875%
HK$144,823
−HK$4,439/mo
Today · 4.125%
HK$149,262
baseline
▲ 0.50% · 4.625%
HK$158,344
+HK$9,082/mo
Deposit HK$3.42M · loan HK$30.80M · min. income ≈ HK$298,524/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$1,454,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,254
−HK$8,442/mo
▼ 0.25% · 3.875%
HK$160,444
−HK$4,252/mo
Today · 4.125%
HK$164,696
baseline
▲ 0.50% · 4.625%
HK$173,377
+HK$8,681/mo
Deposit HK$3.42M · loan HK$30.80M · min. income ≈ HK$329,392/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$1,454,344 · Scale 2, in force from 26 Feb 2026)