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$77,980
−HK$4,890/mo
▼ 0.25% · 3.875%
HK$80,406
−HK$2,464/mo
Today · 4.125%
HK$82,870
baseline
▲ 0.50% · 4.625%
HK$87,913
+HK$5,043/mo
Deposit HK$17.10M · loan HK$17.10M · min. income ≈ HK$165,740/mo (50% DSR)
Upfront cash ≈ HK$18.55M (deposit + AVD stamp duty HK$1,453,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,752
−HK$4,687/mo
▼ 0.25% · 3.875%
HK$89,079
−HK$2,360/mo
Today · 4.125%
HK$91,439
baseline
▲ 0.50% · 4.625%
HK$96,259
+HK$4,820/mo
Deposit HK$17.10M · loan HK$17.10M · min. income ≈ HK$182,878/mo (50% DSR)
Upfront cash ≈ HK$18.55M (deposit + AVD stamp duty HK$1,453,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,576
−HK$5,868/mo
▼ 0.25% · 3.875%
HK$96,487
−HK$2,957/mo
Today · 4.125%
HK$99,444
baseline
▲ 0.50% · 4.625%
HK$105,495
+HK$6,051/mo
Deposit HK$13.68M · loan HK$20.52M · min. income ≈ HK$198,888/mo (50% DSR)
Upfront cash ≈ HK$15.13M (deposit + AVD stamp duty HK$1,453,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,103
−HK$5,624/mo
▼ 0.25% · 3.875%
HK$106,895
−HK$2,832/mo
Today · 4.125%
HK$109,727
baseline
▲ 0.50% · 4.625%
HK$115,511
+HK$5,784/mo
Deposit HK$13.68M · loan HK$20.52M · min. income ≈ HK$219,454/mo (50% DSR)
Upfront cash ≈ HK$15.13M (deposit + AVD stamp duty HK$1,453,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,172
−HK$6,846/mo
▼ 0.25% · 3.875%
HK$112,568
−HK$3,450/mo
Today · 4.125%
HK$116,018
baseline
▲ 0.50% · 4.625%
HK$123,078
+HK$7,060/mo
Deposit HK$10.26M · loan HK$23.94M · min. income ≈ HK$232,036/mo (50% DSR)
Upfront cash ≈ HK$11.71M (deposit + AVD stamp duty HK$1,453,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,453
−HK$6,562/mo
▼ 0.25% · 3.875%
HK$124,710
−HK$3,305/mo
Today · 4.125%
HK$128,015
baseline
▲ 0.50% · 4.625%
HK$134,763
+HK$6,748/mo
Deposit HK$10.26M · loan HK$23.94M · min. income ≈ HK$256,030/mo (50% DSR)
Upfront cash ≈ HK$11.71M (deposit + AVD stamp duty HK$1,453,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,364
−HK$8,802/mo
▼ 0.25% · 3.875%
HK$144,730
−HK$4,436/mo
Today · 4.125%
HK$149,166
baseline
▲ 0.50% · 4.625%
HK$158,243
+HK$9,077/mo
Deposit HK$3.42M · loan HK$30.78M · min. income ≈ HK$298,332/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$1,453,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,154
−HK$8,436/mo
▼ 0.25% · 3.875%
HK$160,342
−HK$4,248/mo
Today · 4.125%
HK$164,590
baseline
▲ 0.50% · 4.625%
HK$173,266
+HK$8,676/mo
Deposit HK$3.42M · loan HK$30.78M · min. income ≈ HK$329,180/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$1,453,415 · Scale 2, in force from 26 Feb 2026)