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$77,948
−HK$4,888/mo
▼ 0.25% · 3.875%
HK$80,372
−HK$2,464/mo
Today · 4.125%
HK$82,836
baseline
▲ 0.50% · 4.625%
HK$87,876
+HK$5,040/mo
Deposit HK$17.09M · loan HK$17.09M · min. income ≈ HK$165,672/mo (50% DSR)
Upfront cash ≈ HK$18.54M (deposit + AVD stamp duty HK$1,452,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,716
−HK$4,685/mo
▼ 0.25% · 3.875%
HK$89,042
−HK$2,359/mo
Today · 4.125%
HK$91,401
baseline
▲ 0.50% · 4.625%
HK$96,219
+HK$4,818/mo
Deposit HK$17.09M · loan HK$17.09M · min. income ≈ HK$182,802/mo (50% DSR)
Upfront cash ≈ HK$18.54M (deposit + AVD stamp duty HK$1,452,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,537
−HK$5,866/mo
▼ 0.25% · 3.875%
HK$96,447
−HK$2,956/mo
Today · 4.125%
HK$99,403
baseline
▲ 0.50% · 4.625%
HK$105,451
+HK$6,048/mo
Deposit HK$13.67M · loan HK$20.51M · min. income ≈ HK$198,806/mo (50% DSR)
Upfront cash ≈ HK$15.13M (deposit + AVD stamp duty HK$1,452,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,059
−HK$5,622/mo
▼ 0.25% · 3.875%
HK$106,850
−HK$2,831/mo
Today · 4.125%
HK$109,681
baseline
▲ 0.50% · 4.625%
HK$115,463
+HK$5,782/mo
Deposit HK$13.67M · loan HK$20.51M · min. income ≈ HK$219,362/mo (50% DSR)
Upfront cash ≈ HK$15.13M (deposit + AVD stamp duty HK$1,452,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,127
−HK$6,843/mo
▼ 0.25% · 3.875%
HK$112,521
−HK$3,449/mo
Today · 4.125%
HK$115,970
baseline
▲ 0.50% · 4.625%
HK$123,026
+HK$7,056/mo
Deposit HK$10.26M · loan HK$23.93M · min. income ≈ HK$231,940/mo (50% DSR)
Upfront cash ≈ HK$11.71M (deposit + AVD stamp duty HK$1,452,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,402
−HK$6,559/mo
▼ 0.25% · 3.875%
HK$124,658
−HK$3,303/mo
Today · 4.125%
HK$127,961
baseline
▲ 0.50% · 4.625%
HK$134,706
+HK$6,745/mo
Deposit HK$10.26M · loan HK$23.93M · min. income ≈ HK$255,922/mo (50% DSR)
Upfront cash ≈ HK$11.71M (deposit + AVD stamp duty HK$1,452,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,306
−HK$8,798/mo
▼ 0.25% · 3.875%
HK$144,670
−HK$4,434/mo
Today · 4.125%
HK$149,104
baseline
▲ 0.50% · 4.625%
HK$158,177
+HK$9,073/mo
Deposit HK$3.42M · loan HK$30.77M · min. income ≈ HK$298,208/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$1,452,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,089
−HK$8,433/mo
▼ 0.25% · 3.875%
HK$160,275
−HK$4,247/mo
Today · 4.125%
HK$164,522
baseline
▲ 0.50% · 4.625%
HK$173,194
+HK$8,672/mo
Deposit HK$3.42M · loan HK$30.77M · min. income ≈ HK$329,044/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$1,452,808 · Scale 2, in force from 26 Feb 2026)