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$78,066
−HK$4,895/mo
▼ 0.25% · 3.875%
HK$80,494
−HK$2,467/mo
Today · 4.125%
HK$82,961
baseline
▲ 0.50% · 4.625%
HK$88,009
+HK$5,048/mo
Deposit HK$17.12M · loan HK$17.12M · min. income ≈ HK$165,922/mo (50% DSR)
Upfront cash ≈ HK$18.57M (deposit + AVD stamp duty HK$1,455,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,847
−HK$4,692/mo
▼ 0.25% · 3.875%
HK$89,176
−HK$2,363/mo
Today · 4.125%
HK$91,539
baseline
▲ 0.50% · 4.625%
HK$96,365
+HK$4,826/mo
Deposit HK$17.12M · loan HK$17.12M · min. income ≈ HK$183,078/mo (50% DSR)
Upfront cash ≈ HK$18.57M (deposit + AVD stamp duty HK$1,455,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,679
−HK$5,874/mo
▼ 0.25% · 3.875%
HK$96,593
−HK$2,960/mo
Today · 4.125%
HK$99,553
baseline
▲ 0.50% · 4.625%
HK$105,611
+HK$6,058/mo
Deposit HK$13.69M · loan HK$20.54M · min. income ≈ HK$199,106/mo (50% DSR)
Upfront cash ≈ HK$15.15M (deposit + AVD stamp duty HK$1,455,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,217
−HK$5,630/mo
▼ 0.25% · 3.875%
HK$107,012
−HK$2,835/mo
Today · 4.125%
HK$109,847
baseline
▲ 0.50% · 4.625%
HK$115,637
+HK$5,790/mo
Deposit HK$13.69M · loan HK$20.54M · min. income ≈ HK$219,694/mo (50% DSR)
Upfront cash ≈ HK$15.15M (deposit + AVD stamp duty HK$1,455,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,292
−HK$6,854/mo
▼ 0.25% · 3.875%
HK$112,692
−HK$3,454/mo
Today · 4.125%
HK$116,146
baseline
▲ 0.50% · 4.625%
HK$123,213
+HK$7,067/mo
Deposit HK$10.27M · loan HK$23.96M · min. income ≈ HK$232,292/mo (50% DSR)
Upfront cash ≈ HK$11.73M (deposit + AVD stamp duty HK$1,455,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,586
−HK$6,569/mo
▼ 0.25% · 3.875%
HK$124,847
−HK$3,308/mo
Today · 4.125%
HK$128,155
baseline
▲ 0.50% · 4.625%
HK$134,910
+HK$6,755/mo
Deposit HK$10.27M · loan HK$23.96M · min. income ≈ HK$256,310/mo (50% DSR)
Upfront cash ≈ HK$11.73M (deposit + AVD stamp duty HK$1,455,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,518
−HK$8,812/mo
▼ 0.25% · 3.875%
HK$144,889
−HK$4,441/mo
Today · 4.125%
HK$149,330
baseline
▲ 0.50% · 4.625%
HK$158,416
+HK$9,086/mo
Deposit HK$3.42M · loan HK$30.81M · min. income ≈ HK$298,660/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$1,455,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,325
−HK$8,446/mo
▼ 0.25% · 3.875%
HK$160,518
−HK$4,253/mo
Today · 4.125%
HK$164,771
baseline
▲ 0.50% · 4.625%
HK$173,456
+HK$8,685/mo
Deposit HK$3.42M · loan HK$30.81M · min. income ≈ HK$329,542/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$1,455,008 · Scale 2, in force from 26 Feb 2026)