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$77,840
−HK$4,882/mo
▼ 0.25% · 3.875%
HK$80,262
−HK$2,460/mo
Today · 4.125%
HK$82,722
baseline
▲ 0.50% · 4.625%
HK$87,755
+HK$5,033/mo
Deposit HK$17.07M · loan HK$17.07M · min. income ≈ HK$165,444/mo (50% DSR)
Upfront cash ≈ HK$18.52M (deposit + AVD stamp duty HK$1,450,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,597
−HK$4,678/mo
▼ 0.25% · 3.875%
HK$88,919
−HK$2,356/mo
Today · 4.125%
HK$91,275
baseline
▲ 0.50% · 4.625%
HK$96,086
+HK$4,811/mo
Deposit HK$17.07M · loan HK$17.07M · min. income ≈ HK$182,550/mo (50% DSR)
Upfront cash ≈ HK$18.52M (deposit + AVD stamp duty HK$1,450,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,408
−HK$5,858/mo
▼ 0.25% · 3.875%
HK$96,314
−HK$2,952/mo
Today · 4.125%
HK$99,266
baseline
▲ 0.50% · 4.625%
HK$105,306
+HK$6,040/mo
Deposit HK$13.65M · loan HK$20.48M · min. income ≈ HK$198,532/mo (50% DSR)
Upfront cash ≈ HK$15.11M (deposit + AVD stamp duty HK$1,450,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,916
−HK$5,614/mo
▼ 0.25% · 3.875%
HK$106,703
−HK$2,827/mo
Today · 4.125%
HK$109,530
baseline
▲ 0.50% · 4.625%
HK$115,304
+HK$5,774/mo
Deposit HK$13.65M · loan HK$20.48M · min. income ≈ HK$219,060/mo (50% DSR)
Upfront cash ≈ HK$15.11M (deposit + AVD stamp duty HK$1,450,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,977
−HK$6,833/mo
▼ 0.25% · 3.875%
HK$112,366
−HK$3,444/mo
Today · 4.125%
HK$115,810
baseline
▲ 0.50% · 4.625%
HK$122,857
+HK$7,047/mo
Deposit HK$10.24M · loan HK$23.90M · min. income ≈ HK$231,620/mo (50% DSR)
Upfront cash ≈ HK$11.69M (deposit + AVD stamp duty HK$1,450,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,235
−HK$6,550/mo
▼ 0.25% · 3.875%
HK$124,487
−HK$3,298/mo
Today · 4.125%
HK$127,785
baseline
▲ 0.50% · 4.625%
HK$134,521
+HK$6,736/mo
Deposit HK$10.24M · loan HK$23.90M · min. income ≈ HK$255,570/mo (50% DSR)
Upfront cash ≈ HK$11.69M (deposit + AVD stamp duty HK$1,450,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,113
−HK$8,786/mo
▼ 0.25% · 3.875%
HK$144,471
−HK$4,428/mo
Today · 4.125%
HK$148,899
baseline
▲ 0.50% · 4.625%
HK$157,959
+HK$9,060/mo
Deposit HK$3.41M · loan HK$30.72M · min. income ≈ HK$297,798/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$1,450,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,874
−HK$8,421/mo
▼ 0.25% · 3.875%
HK$160,054
−HK$4,241/mo
Today · 4.125%
HK$164,295
baseline
▲ 0.50% · 4.625%
HK$172,956
+HK$8,661/mo
Deposit HK$3.41M · loan HK$30.72M · min. income ≈ HK$328,590/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$1,450,810 · Scale 2, in force from 26 Feb 2026)