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$77,862
−HK$4,883/mo
▼ 0.25% · 3.875%
HK$80,284
−HK$2,461/mo
Today · 4.125%
HK$82,745
baseline
▲ 0.50% · 4.625%
HK$87,780
+HK$5,035/mo
Deposit HK$17.07M · loan HK$17.07M · min. income ≈ HK$165,490/mo (50% DSR)
Upfront cash ≈ HK$18.52M (deposit + AVD stamp duty HK$1,451,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,621
−HK$4,680/mo
▼ 0.25% · 3.875%
HK$88,944
−HK$2,357/mo
Today · 4.125%
HK$91,301
baseline
▲ 0.50% · 4.625%
HK$96,113
+HK$4,812/mo
Deposit HK$17.07M · loan HK$17.07M · min. income ≈ HK$182,602/mo (50% DSR)
Upfront cash ≈ HK$18.52M (deposit + AVD stamp duty HK$1,451,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,434
−HK$5,860/mo
▼ 0.25% · 3.875%
HK$96,341
−HK$2,953/mo
Today · 4.125%
HK$99,294
baseline
▲ 0.50% · 4.625%
HK$105,335
+HK$6,041/mo
Deposit HK$13.66M · loan HK$20.49M · min. income ≈ HK$198,588/mo (50% DSR)
Upfront cash ≈ HK$15.11M (deposit + AVD stamp duty HK$1,451,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,945
−HK$5,616/mo
▼ 0.25% · 3.875%
HK$106,733
−HK$2,828/mo
Today · 4.125%
HK$109,561
baseline
▲ 0.50% · 4.625%
HK$115,336
+HK$5,775/mo
Deposit HK$13.66M · loan HK$20.49M · min. income ≈ HK$219,122/mo (50% DSR)
Upfront cash ≈ HK$15.11M (deposit + AVD stamp duty HK$1,451,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,007
−HK$6,836/mo
▼ 0.25% · 3.875%
HK$112,398
−HK$3,445/mo
Today · 4.125%
HK$115,843
baseline
▲ 0.50% · 4.625%
HK$122,891
+HK$7,048/mo
Deposit HK$10.24M · loan HK$23.90M · min. income ≈ HK$231,686/mo (50% DSR)
Upfront cash ≈ HK$11.70M (deposit + AVD stamp duty HK$1,451,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,269
−HK$6,552/mo
▼ 0.25% · 3.875%
HK$124,521
−HK$3,300/mo
Today · 4.125%
HK$127,821
baseline
▲ 0.50% · 4.625%
HK$134,558
+HK$6,737/mo
Deposit HK$10.24M · loan HK$23.90M · min. income ≈ HK$255,642/mo (50% DSR)
Upfront cash ≈ HK$11.70M (deposit + AVD stamp duty HK$1,451,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,152
−HK$8,788/mo
▼ 0.25% · 3.875%
HK$144,511
−HK$4,429/mo
Today · 4.125%
HK$148,940
baseline
▲ 0.50% · 4.625%
HK$158,003
+HK$9,063/mo
Deposit HK$3.41M · loan HK$30.73M · min. income ≈ HK$297,880/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$1,451,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,917
−HK$8,424/mo
▼ 0.25% · 3.875%
HK$160,099
−HK$4,242/mo
Today · 4.125%
HK$164,341
baseline
▲ 0.50% · 4.625%
HK$173,004
+HK$8,663/mo
Deposit HK$3.41M · loan HK$30.73M · min. income ≈ HK$328,682/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$1,451,214 · Scale 2, in force from 26 Feb 2026)