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$77,990
−HK$4,890/mo
▼ 0.25% · 3.875%
HK$80,416
−HK$2,464/mo
Today · 4.125%
HK$82,880
baseline
▲ 0.50% · 4.625%
HK$87,923
+HK$5,043/mo
Deposit HK$17.10M · loan HK$17.10M · min. income ≈ HK$165,760/mo (50% DSR)
Upfront cash ≈ HK$18.55M (deposit + AVD stamp duty HK$1,453,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,763
−HK$4,687/mo
▼ 0.25% · 3.875%
HK$89,090
−HK$2,360/mo
Today · 4.125%
HK$91,450
baseline
▲ 0.50% · 4.625%
HK$96,271
+HK$4,821/mo
Deposit HK$17.10M · loan HK$17.10M · min. income ≈ HK$182,900/mo (50% DSR)
Upfront cash ≈ HK$18.55M (deposit + AVD stamp duty HK$1,453,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,588
−HK$5,868/mo
▼ 0.25% · 3.875%
HK$96,499
−HK$2,957/mo
Today · 4.125%
HK$99,456
baseline
▲ 0.50% · 4.625%
HK$105,508
+HK$6,052/mo
Deposit HK$13.68M · loan HK$20.52M · min. income ≈ HK$198,912/mo (50% DSR)
Upfront cash ≈ HK$15.13M (deposit + AVD stamp duty HK$1,453,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,115
−HK$5,625/mo
▼ 0.25% · 3.875%
HK$106,908
−HK$2,832/mo
Today · 4.125%
HK$109,740
baseline
▲ 0.50% · 4.625%
HK$115,525
+HK$5,785/mo
Deposit HK$13.68M · loan HK$20.52M · min. income ≈ HK$219,480/mo (50% DSR)
Upfront cash ≈ HK$15.13M (deposit + AVD stamp duty HK$1,453,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,186
−HK$6,846/mo
▼ 0.25% · 3.875%
HK$112,582
−HK$3,450/mo
Today · 4.125%
HK$116,032
baseline
▲ 0.50% · 4.625%
HK$123,093
+HK$7,061/mo
Deposit HK$10.26M · loan HK$23.94M · min. income ≈ HK$232,064/mo (50% DSR)
Upfront cash ≈ HK$11.71M (deposit + AVD stamp duty HK$1,453,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,468
−HK$6,562/mo
▼ 0.25% · 3.875%
HK$124,726
−HK$3,304/mo
Today · 4.125%
HK$128,030
baseline
▲ 0.50% · 4.625%
HK$134,779
+HK$6,749/mo
Deposit HK$10.26M · loan HK$23.94M · min. income ≈ HK$256,060/mo (50% DSR)
Upfront cash ≈ HK$11.71M (deposit + AVD stamp duty HK$1,453,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,381
−HK$8,804/mo
▼ 0.25% · 3.875%
HK$144,748
−HK$4,437/mo
Today · 4.125%
HK$149,185
baseline
▲ 0.50% · 4.625%
HK$158,262
+HK$9,077/mo
Deposit HK$3.42M · loan HK$30.78M · min. income ≈ HK$298,370/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$1,453,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,173
−HK$8,437/mo
▼ 0.25% · 3.875%
HK$160,361
−HK$4,249/mo
Today · 4.125%
HK$164,610
baseline
▲ 0.50% · 4.625%
HK$173,287
+HK$8,677/mo
Deposit HK$3.42M · loan HK$30.78M · min. income ≈ HK$329,220/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$1,453,592 · Scale 2, in force from 26 Feb 2026)