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$77,818
−HK$4,880/mo
▼ 0.25% · 3.875%
HK$80,238
−HK$2,460/mo
Today · 4.125%
HK$82,698
baseline
▲ 0.50% · 4.625%
HK$87,730
+HK$5,032/mo
Deposit HK$17.06M · loan HK$17.06M · min. income ≈ HK$165,396/mo (50% DSR)
Upfront cash ≈ HK$18.51M (deposit + AVD stamp duty HK$1,450,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,571
−HK$4,678/mo
▼ 0.25% · 3.875%
HK$88,893
−HK$2,356/mo
Today · 4.125%
HK$91,249
baseline
▲ 0.50% · 4.625%
HK$96,059
+HK$4,810/mo
Deposit HK$17.06M · loan HK$17.06M · min. income ≈ HK$182,498/mo (50% DSR)
Upfront cash ≈ HK$18.51M (deposit + AVD stamp duty HK$1,450,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,381
−HK$5,856/mo
▼ 0.25% · 3.875%
HK$96,286
−HK$2,951/mo
Today · 4.125%
HK$99,237
baseline
▲ 0.50% · 4.625%
HK$105,275
+HK$6,038/mo
Deposit HK$13.65M · loan HK$20.48M · min. income ≈ HK$198,474/mo (50% DSR)
Upfront cash ≈ HK$15.10M (deposit + AVD stamp duty HK$1,450,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,886
−HK$5,612/mo
▼ 0.25% · 3.875%
HK$106,672
−HK$2,826/mo
Today · 4.125%
HK$109,498
baseline
▲ 0.50% · 4.625%
HK$115,270
+HK$5,772/mo
Deposit HK$13.65M · loan HK$20.48M · min. income ≈ HK$218,996/mo (50% DSR)
Upfront cash ≈ HK$15.10M (deposit + AVD stamp duty HK$1,450,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,945
−HK$6,832/mo
▼ 0.25% · 3.875%
HK$112,334
−HK$3,443/mo
Today · 4.125%
HK$115,777
baseline
▲ 0.50% · 4.625%
HK$122,821
+HK$7,044/mo
Deposit HK$10.24M · loan HK$23.89M · min. income ≈ HK$231,554/mo (50% DSR)
Upfront cash ≈ HK$11.69M (deposit + AVD stamp duty HK$1,450,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,200
−HK$6,548/mo
▼ 0.25% · 3.875%
HK$124,451
−HK$3,297/mo
Today · 4.125%
HK$127,748
baseline
▲ 0.50% · 4.625%
HK$134,482
+HK$6,734/mo
Deposit HK$10.24M · loan HK$23.89M · min. income ≈ HK$255,496/mo (50% DSR)
Upfront cash ≈ HK$11.69M (deposit + AVD stamp duty HK$1,450,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,072
−HK$8,784/mo
▼ 0.25% · 3.875%
HK$144,429
−HK$4,427/mo
Today · 4.125%
HK$148,856
baseline
▲ 0.50% · 4.625%
HK$157,913
+HK$9,057/mo
Deposit HK$3.41M · loan HK$30.71M · min. income ≈ HK$297,712/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$1,450,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,829
−HK$8,419/mo
▼ 0.25% · 3.875%
HK$160,008
−HK$4,240/mo
Today · 4.125%
HK$164,248
baseline
▲ 0.50% · 4.625%
HK$172,905
+HK$8,657/mo
Deposit HK$3.41M · loan HK$30.71M · min. income ≈ HK$328,496/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$1,450,388 · Scale 2, in force from 26 Feb 2026)