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$78,012
−HK$4,892/mo
▼ 0.25% · 3.875%
HK$80,438
−HK$2,466/mo
Today · 4.125%
HK$82,904
baseline
▲ 0.50% · 4.625%
HK$87,948
+HK$5,044/mo
Deposit HK$17.11M · loan HK$17.11M · min. income ≈ HK$165,808/mo (50% DSR)
Upfront cash ≈ HK$18.56M (deposit + AVD stamp duty HK$1,454,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,787
−HK$4,689/mo
▼ 0.25% · 3.875%
HK$89,115
−HK$2,361/mo
Today · 4.125%
HK$91,476
baseline
▲ 0.50% · 4.625%
HK$96,298
+HK$4,822/mo
Deposit HK$17.11M · loan HK$17.11M · min. income ≈ HK$182,952/mo (50% DSR)
Upfront cash ≈ HK$18.56M (deposit + AVD stamp duty HK$1,454,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,614
−HK$5,871/mo
▼ 0.25% · 3.875%
HK$96,526
−HK$2,959/mo
Today · 4.125%
HK$99,485
baseline
▲ 0.50% · 4.625%
HK$105,538
+HK$6,053/mo
Deposit HK$13.68M · loan HK$20.53M · min. income ≈ HK$198,970/mo (50% DSR)
Upfront cash ≈ HK$15.14M (deposit + AVD stamp duty HK$1,454,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,145
−HK$5,626/mo
▼ 0.25% · 3.875%
HK$106,938
−HK$2,833/mo
Today · 4.125%
HK$109,771
baseline
▲ 0.50% · 4.625%
HK$115,558
+HK$5,787/mo
Deposit HK$13.68M · loan HK$20.53M · min. income ≈ HK$219,542/mo (50% DSR)
Upfront cash ≈ HK$15.14M (deposit + AVD stamp duty HK$1,454,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,216
−HK$6,849/mo
▼ 0.25% · 3.875%
HK$112,614
−HK$3,451/mo
Today · 4.125%
HK$116,065
baseline
▲ 0.50% · 4.625%
HK$123,128
+HK$7,063/mo
Deposit HK$10.26M · loan HK$23.95M · min. income ≈ HK$232,130/mo (50% DSR)
Upfront cash ≈ HK$11.72M (deposit + AVD stamp duty HK$1,454,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,502
−HK$6,565/mo
▼ 0.25% · 3.875%
HK$124,761
−HK$3,306/mo
Today · 4.125%
HK$128,067
baseline
▲ 0.50% · 4.625%
HK$134,817
+HK$6,750/mo
Deposit HK$10.26M · loan HK$23.95M · min. income ≈ HK$256,134/mo (50% DSR)
Upfront cash ≈ HK$11.72M (deposit + AVD stamp duty HK$1,454,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,421
−HK$8,806/mo
▼ 0.25% · 3.875%
HK$144,789
−HK$4,438/mo
Today · 4.125%
HK$149,227
baseline
▲ 0.50% · 4.625%
HK$158,307
+HK$9,080/mo
Deposit HK$3.42M · loan HK$30.79M · min. income ≈ HK$298,454/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$1,454,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,217
−HK$8,440/mo
▼ 0.25% · 3.875%
HK$160,407
−HK$4,250/mo
Today · 4.125%
HK$164,657
baseline
▲ 0.50% · 4.625%
HK$173,336
+HK$8,679/mo
Deposit HK$3.42M · loan HK$30.79M · min. income ≈ HK$329,314/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$1,454,003 · Scale 2, in force from 26 Feb 2026)