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$77,847
−HK$4,882/mo
▼ 0.25% · 3.875%
HK$80,269
−HK$2,460/mo
Today · 4.125%
HK$82,729
baseline
▲ 0.50% · 4.625%
HK$87,763
+HK$5,034/mo
Deposit HK$17.07M · loan HK$17.07M · min. income ≈ HK$165,458/mo (50% DSR)
Upfront cash ≈ HK$18.52M (deposit + AVD stamp duty HK$1,450,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,604
−HK$4,679/mo
▼ 0.25% · 3.875%
HK$88,927
−HK$2,356/mo
Today · 4.125%
HK$91,283
baseline
▲ 0.50% · 4.625%
HK$96,095
+HK$4,812/mo
Deposit HK$17.07M · loan HK$17.07M · min. income ≈ HK$182,566/mo (50% DSR)
Upfront cash ≈ HK$18.52M (deposit + AVD stamp duty HK$1,450,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,417
−HK$5,858/mo
▼ 0.25% · 3.875%
HK$96,323
−HK$2,952/mo
Today · 4.125%
HK$99,275
baseline
▲ 0.50% · 4.625%
HK$105,315
+HK$6,040/mo
Deposit HK$13.66M · loan HK$20.48M · min. income ≈ HK$198,550/mo (50% DSR)
Upfront cash ≈ HK$15.11M (deposit + AVD stamp duty HK$1,450,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,925
−HK$5,615/mo
▼ 0.25% · 3.875%
HK$106,712
−HK$2,828/mo
Today · 4.125%
HK$109,540
baseline
▲ 0.50% · 4.625%
HK$115,314
+HK$5,774/mo
Deposit HK$13.66M · loan HK$20.48M · min. income ≈ HK$219,080/mo (50% DSR)
Upfront cash ≈ HK$15.11M (deposit + AVD stamp duty HK$1,450,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,986
−HK$6,835/mo
▼ 0.25% · 3.875%
HK$112,376
−HK$3,445/mo
Today · 4.125%
HK$115,821
baseline
▲ 0.50% · 4.625%
HK$122,868
+HK$7,047/mo
Deposit HK$10.24M · loan HK$23.90M · min. income ≈ HK$231,642/mo (50% DSR)
Upfront cash ≈ HK$11.69M (deposit + AVD stamp duty HK$1,450,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,246
−HK$6,551/mo
▼ 0.25% · 3.875%
HK$124,498
−HK$3,299/mo
Today · 4.125%
HK$127,797
baseline
▲ 0.50% · 4.625%
HK$134,533
+HK$6,736/mo
Deposit HK$10.24M · loan HK$23.90M · min. income ≈ HK$255,594/mo (50% DSR)
Upfront cash ≈ HK$11.69M (deposit + AVD stamp duty HK$1,450,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,125
−HK$8,787/mo
▼ 0.25% · 3.875%
HK$144,484
−HK$4,428/mo
Today · 4.125%
HK$148,912
baseline
▲ 0.50% · 4.625%
HK$157,973
+HK$9,061/mo
Deposit HK$3.41M · loan HK$30.73M · min. income ≈ HK$297,824/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$1,450,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,888
−HK$8,422/mo
▼ 0.25% · 3.875%
HK$160,069
−HK$4,241/mo
Today · 4.125%
HK$164,310
baseline
▲ 0.50% · 4.625%
HK$172,971
+HK$8,661/mo
Deposit HK$3.41M · loan HK$30.73M · min. income ≈ HK$328,620/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$1,450,939 · Scale 2, in force from 26 Feb 2026)