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$77,943
−HK$4,887/mo
▼ 0.25% · 3.875%
HK$80,367
−HK$2,463/mo
Today · 4.125%
HK$82,830
baseline
▲ 0.50% · 4.625%
HK$87,870
+HK$5,040/mo
Deposit HK$17.09M · loan HK$17.09M · min. income ≈ HK$165,660/mo (50% DSR)
Upfront cash ≈ HK$18.54M (deposit + AVD stamp duty HK$1,452,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,710
−HK$4,685/mo
▼ 0.25% · 3.875%
HK$89,036
−HK$2,359/mo
Today · 4.125%
HK$91,395
baseline
▲ 0.50% · 4.625%
HK$96,213
+HK$4,818/mo
Deposit HK$17.09M · loan HK$17.09M · min. income ≈ HK$182,790/mo (50% DSR)
Upfront cash ≈ HK$18.54M (deposit + AVD stamp duty HK$1,452,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,531
−HK$5,865/mo
▼ 0.25% · 3.875%
HK$96,440
−HK$2,956/mo
Today · 4.125%
HK$99,396
baseline
▲ 0.50% · 4.625%
HK$105,444
+HK$6,048/mo
Deposit HK$13.67M · loan HK$20.51M · min. income ≈ HK$198,792/mo (50% DSR)
Upfront cash ≈ HK$15.13M (deposit + AVD stamp duty HK$1,452,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,052
−HK$5,622/mo
▼ 0.25% · 3.875%
HK$106,843
−HK$2,831/mo
Today · 4.125%
HK$109,674
baseline
▲ 0.50% · 4.625%
HK$115,455
+HK$5,781/mo
Deposit HK$13.67M · loan HK$20.51M · min. income ≈ HK$219,348/mo (50% DSR)
Upfront cash ≈ HK$15.13M (deposit + AVD stamp duty HK$1,452,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,120
−HK$6,842/mo
▼ 0.25% · 3.875%
HK$112,514
−HK$3,448/mo
Today · 4.125%
HK$115,962
baseline
▲ 0.50% · 4.625%
HK$123,018
+HK$7,056/mo
Deposit HK$10.25M · loan HK$23.93M · min. income ≈ HK$231,924/mo (50% DSR)
Upfront cash ≈ HK$11.71M (deposit + AVD stamp duty HK$1,452,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,394
−HK$6,559/mo
▼ 0.25% · 3.875%
HK$124,650
−HK$3,303/mo
Today · 4.125%
HK$127,953
baseline
▲ 0.50% · 4.625%
HK$134,698
+HK$6,745/mo
Deposit HK$10.25M · loan HK$23.93M · min. income ≈ HK$255,906/mo (50% DSR)
Upfront cash ≈ HK$11.71M (deposit + AVD stamp duty HK$1,452,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,297
−HK$8,797/mo
▼ 0.25% · 3.875%
HK$144,661
−HK$4,433/mo
Today · 4.125%
HK$149,094
baseline
▲ 0.50% · 4.625%
HK$158,167
+HK$9,073/mo
Deposit HK$3.42M · loan HK$30.76M · min. income ≈ HK$298,188/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$1,452,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,079
−HK$8,432/mo
▼ 0.25% · 3.875%
HK$160,265
−HK$4,246/mo
Today · 4.125%
HK$164,511
baseline
▲ 0.50% · 4.625%
HK$173,183
+HK$8,672/mo
Deposit HK$3.42M · loan HK$30.76M · min. income ≈ HK$329,022/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$1,452,714 · Scale 2, in force from 26 Feb 2026)