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$78,006
−HK$4,891/mo
▼ 0.25% · 3.875%
HK$80,432
−HK$2,465/mo
Today · 4.125%
HK$82,897
baseline
▲ 0.50% · 4.625%
HK$87,941
+HK$5,044/mo
Deposit HK$17.10M · loan HK$17.10M · min. income ≈ HK$165,794/mo (50% DSR)
Upfront cash ≈ HK$18.56M (deposit + AVD stamp duty HK$1,453,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,780
−HK$4,689/mo
▼ 0.25% · 3.875%
HK$89,108
−HK$2,361/mo
Today · 4.125%
HK$91,469
baseline
▲ 0.50% · 4.625%
HK$96,290
+HK$4,821/mo
Deposit HK$17.10M · loan HK$17.10M · min. income ≈ HK$182,938/mo (50% DSR)
Upfront cash ≈ HK$18.56M (deposit + AVD stamp duty HK$1,453,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,607
−HK$5,870/mo
▼ 0.25% · 3.875%
HK$96,518
−HK$2,959/mo
Today · 4.125%
HK$99,477
baseline
▲ 0.50% · 4.625%
HK$105,530
+HK$6,053/mo
Deposit HK$13.68M · loan HK$20.53M · min. income ≈ HK$198,954/mo (50% DSR)
Upfront cash ≈ HK$15.14M (deposit + AVD stamp duty HK$1,453,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,136
−HK$5,627/mo
▼ 0.25% · 3.875%
HK$106,929
−HK$2,834/mo
Today · 4.125%
HK$109,763
baseline
▲ 0.50% · 4.625%
HK$115,548
+HK$5,785/mo
Deposit HK$13.68M · loan HK$20.53M · min. income ≈ HK$219,526/mo (50% DSR)
Upfront cash ≈ HK$15.14M (deposit + AVD stamp duty HK$1,453,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,208
−HK$6,848/mo
▼ 0.25% · 3.875%
HK$112,605
−HK$3,451/mo
Today · 4.125%
HK$116,056
baseline
▲ 0.50% · 4.625%
HK$123,118
+HK$7,062/mo
Deposit HK$10.26M · loan HK$23.95M · min. income ≈ HK$232,112/mo (50% DSR)
Upfront cash ≈ HK$11.72M (deposit + AVD stamp duty HK$1,453,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,493
−HK$6,563/mo
▼ 0.25% · 3.875%
HK$124,751
−HK$3,305/mo
Today · 4.125%
HK$128,056
baseline
▲ 0.50% · 4.625%
HK$134,806
+HK$6,750/mo
Deposit HK$10.26M · loan HK$23.95M · min. income ≈ HK$256,112/mo (50% DSR)
Upfront cash ≈ HK$11.72M (deposit + AVD stamp duty HK$1,453,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,410
−HK$8,805/mo
▼ 0.25% · 3.875%
HK$144,778
−HK$4,437/mo
Today · 4.125%
HK$149,215
baseline
▲ 0.50% · 4.625%
HK$158,294
+HK$9,079/mo
Deposit HK$3.42M · loan HK$30.79M · min. income ≈ HK$298,430/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$1,453,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,205
−HK$8,439/mo
▼ 0.25% · 3.875%
HK$160,394
−HK$4,250/mo
Today · 4.125%
HK$164,644
baseline
▲ 0.50% · 4.625%
HK$173,323
+HK$8,679/mo
Deposit HK$3.42M · loan HK$30.79M · min. income ≈ HK$329,288/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$1,453,888 · Scale 2, in force from 26 Feb 2026)