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$78,044
−HK$4,895/mo
▼ 0.25% · 3.875%
HK$80,472
−HK$2,467/mo
Today · 4.125%
HK$82,939
baseline
▲ 0.50% · 4.625%
HK$87,985
+HK$5,046/mo
Deposit HK$17.11M · loan HK$17.11M · min. income ≈ HK$165,878/mo (50% DSR)
Upfront cash ≈ HK$18.57M (deposit + AVD stamp duty HK$1,454,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,824
−HK$4,691/mo
▼ 0.25% · 3.875%
HK$89,152
−HK$2,363/mo
Today · 4.125%
HK$91,515
baseline
▲ 0.50% · 4.625%
HK$96,338
+HK$4,823/mo
Deposit HK$17.11M · loan HK$17.11M · min. income ≈ HK$183,030/mo (50% DSR)
Upfront cash ≈ HK$18.57M (deposit + AVD stamp duty HK$1,454,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,653
−HK$5,873/mo
▼ 0.25% · 3.875%
HK$96,567
−HK$2,959/mo
Today · 4.125%
HK$99,526
baseline
▲ 0.50% · 4.625%
HK$105,582
+HK$6,056/mo
Deposit HK$13.69M · loan HK$20.54M · min. income ≈ HK$199,052/mo (50% DSR)
Upfront cash ≈ HK$15.15M (deposit + AVD stamp duty HK$1,454,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,188
−HK$5,629/mo
▼ 0.25% · 3.875%
HK$106,983
−HK$2,834/mo
Today · 4.125%
HK$109,817
baseline
▲ 0.50% · 4.625%
HK$115,606
+HK$5,789/mo
Deposit HK$13.69M · loan HK$20.54M · min. income ≈ HK$219,634/mo (50% DSR)
Upfront cash ≈ HK$15.15M (deposit + AVD stamp duty HK$1,454,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,262
−HK$6,852/mo
▼ 0.25% · 3.875%
HK$112,661
−HK$3,453/mo
Today · 4.125%
HK$116,114
baseline
▲ 0.50% · 4.625%
HK$123,179
+HK$7,065/mo
Deposit HK$10.27M · loan HK$23.96M · min. income ≈ HK$232,228/mo (50% DSR)
Upfront cash ≈ HK$11.72M (deposit + AVD stamp duty HK$1,454,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,553
−HK$6,567/mo
▼ 0.25% · 3.875%
HK$124,813
−HK$3,307/mo
Today · 4.125%
HK$128,120
baseline
▲ 0.50% · 4.625%
HK$134,874
+HK$6,754/mo
Deposit HK$10.27M · loan HK$23.96M · min. income ≈ HK$256,240/mo (50% DSR)
Upfront cash ≈ HK$11.72M (deposit + AVD stamp duty HK$1,454,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,480
−HK$8,809/mo
▼ 0.25% · 3.875%
HK$144,850
−HK$4,439/mo
Today · 4.125%
HK$149,289
baseline
▲ 0.50% · 4.625%
HK$158,373
+HK$9,084/mo
Deposit HK$3.42M · loan HK$30.80M · min. income ≈ HK$298,578/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$1,454,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,283
−HK$8,443/mo
▼ 0.25% · 3.875%
HK$160,474
−HK$4,252/mo
Today · 4.125%
HK$164,726
baseline
▲ 0.50% · 4.625%
HK$173,409
+HK$8,683/mo
Deposit HK$3.42M · loan HK$30.80M · min. income ≈ HK$329,452/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$1,454,613 · Scale 2, in force from 26 Feb 2026)