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$77,973
−HK$4,890/mo
▼ 0.25% · 3.875%
HK$80,398
−HK$2,465/mo
Today · 4.125%
HK$82,863
baseline
▲ 0.50% · 4.625%
HK$87,905
+HK$5,042/mo
Deposit HK$17.10M · loan HK$17.10M · min. income ≈ HK$165,726/mo (50% DSR)
Upfront cash ≈ HK$18.55M (deposit + AVD stamp duty HK$1,453,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,744
−HK$4,687/mo
▼ 0.25% · 3.875%
HK$89,071
−HK$2,360/mo
Today · 4.125%
HK$91,431
baseline
▲ 0.50% · 4.625%
HK$96,250
+HK$4,819/mo
Deposit HK$17.10M · loan HK$17.10M · min. income ≈ HK$182,862/mo (50% DSR)
Upfront cash ≈ HK$18.55M (deposit + AVD stamp duty HK$1,453,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,568
−HK$5,867/mo
▼ 0.25% · 3.875%
HK$96,478
−HK$2,957/mo
Today · 4.125%
HK$99,435
baseline
▲ 0.50% · 4.625%
HK$105,486
+HK$6,051/mo
Deposit HK$13.68M · loan HK$20.52M · min. income ≈ HK$198,870/mo (50% DSR)
Upfront cash ≈ HK$15.13M (deposit + AVD stamp duty HK$1,453,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,093
−HK$5,624/mo
▼ 0.25% · 3.875%
HK$106,885
−HK$2,832/mo
Today · 4.125%
HK$109,717
baseline
▲ 0.50% · 4.625%
HK$115,500
+HK$5,783/mo
Deposit HK$13.68M · loan HK$20.52M · min. income ≈ HK$219,434/mo (50% DSR)
Upfront cash ≈ HK$15.13M (deposit + AVD stamp duty HK$1,453,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,162
−HK$6,846/mo
▼ 0.25% · 3.875%
HK$112,558
−HK$3,450/mo
Today · 4.125%
HK$116,008
baseline
▲ 0.50% · 4.625%
HK$123,066
+HK$7,058/mo
Deposit HK$10.26M · loan HK$23.94M · min. income ≈ HK$232,016/mo (50% DSR)
Upfront cash ≈ HK$11.71M (deposit + AVD stamp duty HK$1,453,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,442
−HK$6,561/mo
▼ 0.25% · 3.875%
HK$124,699
−HK$3,304/mo
Today · 4.125%
HK$128,003
baseline
▲ 0.50% · 4.625%
HK$134,750
+HK$6,747/mo
Deposit HK$10.26M · loan HK$23.94M · min. income ≈ HK$256,006/mo (50% DSR)
Upfront cash ≈ HK$11.71M (deposit + AVD stamp duty HK$1,453,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,351
−HK$8,802/mo
▼ 0.25% · 3.875%
HK$144,717
−HK$4,436/mo
Today · 4.125%
HK$149,153
baseline
▲ 0.50% · 4.625%
HK$158,228
+HK$9,075/mo
Deposit HK$3.42M · loan HK$30.78M · min. income ≈ HK$298,306/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$1,453,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,140
−HK$8,435/mo
▼ 0.25% · 3.875%
HK$160,327
−HK$4,248/mo
Today · 4.125%
HK$164,575
baseline
▲ 0.50% · 4.625%
HK$173,250
+HK$8,675/mo
Deposit HK$3.42M · loan HK$30.78M · min. income ≈ HK$329,150/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$1,453,281 · Scale 2, in force from 26 Feb 2026)