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$77,925
−HK$4,887/mo
▼ 0.25% · 3.875%
HK$80,349
−HK$2,463/mo
Today · 4.125%
HK$82,812
baseline
▲ 0.50% · 4.625%
HK$87,851
+HK$5,039/mo
Deposit HK$17.09M · loan HK$17.09M · min. income ≈ HK$165,624/mo (50% DSR)
Upfront cash ≈ HK$18.54M (deposit + AVD stamp duty HK$1,452,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,691
−HK$4,684/mo
▼ 0.25% · 3.875%
HK$89,016
−HK$2,359/mo
Today · 4.125%
HK$91,375
baseline
▲ 0.50% · 4.625%
HK$96,191
+HK$4,816/mo
Deposit HK$17.09M · loan HK$17.09M · min. income ≈ HK$182,750/mo (50% DSR)
Upfront cash ≈ HK$18.54M (deposit + AVD stamp duty HK$1,452,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,510
−HK$5,864/mo
▼ 0.25% · 3.875%
HK$96,419
−HK$2,955/mo
Today · 4.125%
HK$99,374
baseline
▲ 0.50% · 4.625%
HK$105,421
+HK$6,047/mo
Deposit HK$13.67M · loan HK$20.50M · min. income ≈ HK$198,748/mo (50% DSR)
Upfront cash ≈ HK$15.12M (deposit + AVD stamp duty HK$1,452,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,029
−HK$5,621/mo
▼ 0.25% · 3.875%
HK$106,819
−HK$2,831/mo
Today · 4.125%
HK$109,650
baseline
▲ 0.50% · 4.625%
HK$115,430
+HK$5,780/mo
Deposit HK$13.67M · loan HK$20.50M · min. income ≈ HK$219,300/mo (50% DSR)
Upfront cash ≈ HK$15.12M (deposit + AVD stamp duty HK$1,452,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,096
−HK$6,841/mo
▼ 0.25% · 3.875%
HK$112,489
−HK$3,448/mo
Today · 4.125%
HK$115,937
baseline
▲ 0.50% · 4.625%
HK$122,991
+HK$7,054/mo
Deposit HK$10.25M · loan HK$23.92M · min. income ≈ HK$231,874/mo (50% DSR)
Upfront cash ≈ HK$11.70M (deposit + AVD stamp duty HK$1,452,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,368
−HK$6,557/mo
▼ 0.25% · 3.875%
HK$124,623
−HK$3,302/mo
Today · 4.125%
HK$127,925
baseline
▲ 0.50% · 4.625%
HK$134,668
+HK$6,743/mo
Deposit HK$10.25M · loan HK$23.92M · min. income ≈ HK$255,850/mo (50% DSR)
Upfront cash ≈ HK$11.70M (deposit + AVD stamp duty HK$1,452,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,266
−HK$8,796/mo
▼ 0.25% · 3.875%
HK$144,629
−HK$4,433/mo
Today · 4.125%
HK$149,062
baseline
▲ 0.50% · 4.625%
HK$158,132
+HK$9,070/mo
Deposit HK$3.42M · loan HK$30.76M · min. income ≈ HK$298,124/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$1,452,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,044
−HK$8,431/mo
▼ 0.25% · 3.875%
HK$160,229
−HK$4,246/mo
Today · 4.125%
HK$164,475
baseline
▲ 0.50% · 4.625%
HK$173,144
+HK$8,669/mo
Deposit HK$3.42M · loan HK$30.76M · min. income ≈ HK$328,950/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$1,452,394 · Scale 2, in force from 26 Feb 2026)