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$77,961
−HK$4,889/mo
▼ 0.25% · 3.875%
HK$80,386
−HK$2,464/mo
Today · 4.125%
HK$82,850
baseline
▲ 0.50% · 4.625%
HK$87,891
+HK$5,041/mo
Deposit HK$17.09M · loan HK$17.09M · min. income ≈ HK$165,700/mo (50% DSR)
Upfront cash ≈ HK$18.55M (deposit + AVD stamp duty HK$1,453,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,731
−HK$4,686/mo
▼ 0.25% · 3.875%
HK$89,057
−HK$2,360/mo
Today · 4.125%
HK$91,417
baseline
▲ 0.50% · 4.625%
HK$96,235
+HK$4,818/mo
Deposit HK$17.09M · loan HK$17.09M · min. income ≈ HK$182,834/mo (50% DSR)
Upfront cash ≈ HK$18.55M (deposit + AVD stamp duty HK$1,453,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,553
−HK$5,867/mo
▼ 0.25% · 3.875%
HK$96,463
−HK$2,957/mo
Today · 4.125%
HK$99,420
baseline
▲ 0.50% · 4.625%
HK$105,469
+HK$6,049/mo
Deposit HK$13.68M · loan HK$20.51M · min. income ≈ HK$198,840/mo (50% DSR)
Upfront cash ≈ HK$15.13M (deposit + AVD stamp duty HK$1,453,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,077
−HK$5,623/mo
▼ 0.25% · 3.875%
HK$106,868
−HK$2,832/mo
Today · 4.125%
HK$109,700
baseline
▲ 0.50% · 4.625%
HK$115,482
+HK$5,782/mo
Deposit HK$13.68M · loan HK$20.51M · min. income ≈ HK$219,400/mo (50% DSR)
Upfront cash ≈ HK$15.13M (deposit + AVD stamp duty HK$1,453,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,145
−HK$6,845/mo
▼ 0.25% · 3.875%
HK$112,540
−HK$3,450/mo
Today · 4.125%
HK$115,990
baseline
▲ 0.50% · 4.625%
HK$123,047
+HK$7,057/mo
Deposit HK$10.26M · loan HK$23.93M · min. income ≈ HK$231,980/mo (50% DSR)
Upfront cash ≈ HK$11.71M (deposit + AVD stamp duty HK$1,453,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,423
−HK$6,560/mo
▼ 0.25% · 3.875%
HK$124,680
−HK$3,303/mo
Today · 4.125%
HK$127,983
baseline
▲ 0.50% · 4.625%
HK$134,729
+HK$6,746/mo
Deposit HK$10.26M · loan HK$23.93M · min. income ≈ HK$255,966/mo (50% DSR)
Upfront cash ≈ HK$11.71M (deposit + AVD stamp duty HK$1,453,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,330
−HK$8,800/mo
▼ 0.25% · 3.875%
HK$144,695
−HK$4,435/mo
Today · 4.125%
HK$149,130
baseline
▲ 0.50% · 4.625%
HK$158,204
+HK$9,074/mo
Deposit HK$3.42M · loan HK$30.77M · min. income ≈ HK$298,260/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$1,453,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,115
−HK$8,435/mo
▼ 0.25% · 3.875%
HK$160,302
−HK$4,248/mo
Today · 4.125%
HK$164,550
baseline
▲ 0.50% · 4.625%
HK$173,223
+HK$8,673/mo
Deposit HK$3.42M · loan HK$30.77M · min. income ≈ HK$329,100/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$1,453,057 · Scale 2, in force from 26 Feb 2026)