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$77,869
−HK$4,883/mo
▼ 0.25% · 3.875%
HK$80,291
−HK$2,461/mo
Today · 4.125%
HK$82,752
baseline
▲ 0.50% · 4.625%
HK$87,787
+HK$5,035/mo
Deposit HK$17.07M · loan HK$17.07M · min. income ≈ HK$165,504/mo (50% DSR)
Upfront cash ≈ HK$18.53M (deposit + AVD stamp duty HK$1,451,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,628
−HK$4,680/mo
▼ 0.25% · 3.875%
HK$88,952
−HK$2,356/mo
Today · 4.125%
HK$91,308
baseline
▲ 0.50% · 4.625%
HK$96,121
+HK$4,813/mo
Deposit HK$17.07M · loan HK$17.07M · min. income ≈ HK$182,616/mo (50% DSR)
Upfront cash ≈ HK$18.53M (deposit + AVD stamp duty HK$1,451,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,443
−HK$5,859/mo
▼ 0.25% · 3.875%
HK$96,349
−HK$2,953/mo
Today · 4.125%
HK$99,302
baseline
▲ 0.50% · 4.625%
HK$105,344
+HK$6,042/mo
Deposit HK$13.66M · loan HK$20.49M · min. income ≈ HK$198,604/mo (50% DSR)
Upfront cash ≈ HK$15.11M (deposit + AVD stamp duty HK$1,451,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,954
−HK$5,616/mo
▼ 0.25% · 3.875%
HK$106,742
−HK$2,828/mo
Today · 4.125%
HK$109,570
baseline
▲ 0.50% · 4.625%
HK$115,346
+HK$5,776/mo
Deposit HK$13.66M · loan HK$20.49M · min. income ≈ HK$219,140/mo (50% DSR)
Upfront cash ≈ HK$15.11M (deposit + AVD stamp duty HK$1,451,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,016
−HK$6,837/mo
▼ 0.25% · 3.875%
HK$112,407
−HK$3,446/mo
Today · 4.125%
HK$115,853
baseline
▲ 0.50% · 4.625%
HK$122,902
+HK$7,049/mo
Deposit HK$10.24M · loan HK$23.90M · min. income ≈ HK$231,706/mo (50% DSR)
Upfront cash ≈ HK$11.70M (deposit + AVD stamp duty HK$1,451,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,279
−HK$6,553/mo
▼ 0.25% · 3.875%
HK$124,532
−HK$3,300/mo
Today · 4.125%
HK$127,832
baseline
▲ 0.50% · 4.625%
HK$134,570
+HK$6,738/mo
Deposit HK$10.24M · loan HK$23.90M · min. income ≈ HK$255,664/mo (50% DSR)
Upfront cash ≈ HK$11.70M (deposit + AVD stamp duty HK$1,451,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,164
−HK$8,789/mo
▼ 0.25% · 3.875%
HK$144,524
−HK$4,429/mo
Today · 4.125%
HK$148,953
baseline
▲ 0.50% · 4.625%
HK$158,017
+HK$9,064/mo
Deposit HK$3.41M · loan HK$30.73M · min. income ≈ HK$297,906/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$1,451,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,931
−HK$8,424/mo
▼ 0.25% · 3.875%
HK$160,113
−HK$4,242/mo
Today · 4.125%
HK$164,355
baseline
▲ 0.50% · 4.625%
HK$173,019
+HK$8,664/mo
Deposit HK$3.41M · loan HK$30.73M · min. income ≈ HK$328,710/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$1,451,338 · Scale 2, in force from 26 Feb 2026)