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$77,860
−HK$4,882/mo
▼ 0.25% · 3.875%
HK$80,281
−HK$2,461/mo
Today · 4.125%
HK$82,742
baseline
▲ 0.50% · 4.625%
HK$87,777
+HK$5,035/mo
Deposit HK$17.07M · loan HK$17.07M · min. income ≈ HK$165,484/mo (50% DSR)
Upfront cash ≈ HK$18.52M (deposit + AVD stamp duty HK$1,451,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,618
−HK$4,680/mo
▼ 0.25% · 3.875%
HK$88,941
−HK$2,357/mo
Today · 4.125%
HK$91,298
baseline
▲ 0.50% · 4.625%
HK$96,110
+HK$4,812/mo
Deposit HK$17.07M · loan HK$17.07M · min. income ≈ HK$182,596/mo (50% DSR)
Upfront cash ≈ HK$18.52M (deposit + AVD stamp duty HK$1,451,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,431
−HK$5,859/mo
▼ 0.25% · 3.875%
HK$96,338
−HK$2,952/mo
Today · 4.125%
HK$99,290
baseline
▲ 0.50% · 4.625%
HK$105,332
+HK$6,042/mo
Deposit HK$13.66M · loan HK$20.49M · min. income ≈ HK$198,580/mo (50% DSR)
Upfront cash ≈ HK$15.11M (deposit + AVD stamp duty HK$1,451,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,942
−HK$5,615/mo
▼ 0.25% · 3.875%
HK$106,729
−HK$2,828/mo
Today · 4.125%
HK$109,557
baseline
▲ 0.50% · 4.625%
HK$115,332
+HK$5,775/mo
Deposit HK$13.66M · loan HK$20.49M · min. income ≈ HK$219,114/mo (50% DSR)
Upfront cash ≈ HK$15.11M (deposit + AVD stamp duty HK$1,451,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,003
−HK$6,836/mo
▼ 0.25% · 3.875%
HK$112,394
−HK$3,445/mo
Today · 4.125%
HK$115,839
baseline
▲ 0.50% · 4.625%
HK$122,887
+HK$7,048/mo
Deposit HK$10.24M · loan HK$23.90M · min. income ≈ HK$231,678/mo (50% DSR)
Upfront cash ≈ HK$11.69M (deposit + AVD stamp duty HK$1,451,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,265
−HK$6,552/mo
▼ 0.25% · 3.875%
HK$124,517
−HK$3,300/mo
Today · 4.125%
HK$127,817
baseline
▲ 0.50% · 4.625%
HK$134,554
+HK$6,737/mo
Deposit HK$10.24M · loan HK$23.90M · min. income ≈ HK$255,634/mo (50% DSR)
Upfront cash ≈ HK$11.69M (deposit + AVD stamp duty HK$1,451,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,147
−HK$8,789/mo
▼ 0.25% · 3.875%
HK$144,507
−HK$4,429/mo
Today · 4.125%
HK$148,936
baseline
▲ 0.50% · 4.625%
HK$157,998
+HK$9,062/mo
Deposit HK$3.41M · loan HK$30.73M · min. income ≈ HK$297,872/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$1,451,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,912
−HK$8,424/mo
▼ 0.25% · 3.875%
HK$160,094
−HK$4,242/mo
Today · 4.125%
HK$164,336
baseline
▲ 0.50% · 4.625%
HK$172,998
+HK$8,662/mo
Deposit HK$3.41M · loan HK$30.73M · min. income ≈ HK$328,672/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$1,451,167 · Scale 2, in force from 26 Feb 2026)