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$77,878
−HK$4,884/mo
▼ 0.25% · 3.875%
HK$80,301
−HK$2,461/mo
Today · 4.125%
HK$82,762
baseline
▲ 0.50% · 4.625%
HK$87,798
+HK$5,036/mo
Deposit HK$17.08M · loan HK$17.08M · min. income ≈ HK$165,524/mo (50% DSR)
Upfront cash ≈ HK$18.53M (deposit + AVD stamp duty HK$1,451,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,639
−HK$4,681/mo
▼ 0.25% · 3.875%
HK$88,963
−HK$2,357/mo
Today · 4.125%
HK$91,320
baseline
▲ 0.50% · 4.625%
HK$96,133
+HK$4,813/mo
Deposit HK$17.08M · loan HK$17.08M · min. income ≈ HK$182,640/mo (50% DSR)
Upfront cash ≈ HK$18.53M (deposit + AVD stamp duty HK$1,451,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,454
−HK$5,861/mo
▼ 0.25% · 3.875%
HK$96,361
−HK$2,954/mo
Today · 4.125%
HK$99,315
baseline
▲ 0.50% · 4.625%
HK$105,358
+HK$6,043/mo
Deposit HK$13.66M · loan HK$20.49M · min. income ≈ HK$198,630/mo (50% DSR)
Upfront cash ≈ HK$15.11M (deposit + AVD stamp duty HK$1,451,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,967
−HK$5,617/mo
▼ 0.25% · 3.875%
HK$106,755
−HK$2,829/mo
Today · 4.125%
HK$109,584
baseline
▲ 0.50% · 4.625%
HK$115,360
+HK$5,776/mo
Deposit HK$13.66M · loan HK$20.49M · min. income ≈ HK$219,168/mo (50% DSR)
Upfront cash ≈ HK$15.11M (deposit + AVD stamp duty HK$1,451,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,030
−HK$6,837/mo
▼ 0.25% · 3.875%
HK$112,421
−HK$3,446/mo
Today · 4.125%
HK$115,867
baseline
▲ 0.50% · 4.625%
HK$122,917
+HK$7,050/mo
Deposit HK$10.25M · loan HK$23.91M · min. income ≈ HK$231,734/mo (50% DSR)
Upfront cash ≈ HK$11.70M (deposit + AVD stamp duty HK$1,451,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,295
−HK$6,553/mo
▼ 0.25% · 3.875%
HK$124,548
−HK$3,300/mo
Today · 4.125%
HK$127,848
baseline
▲ 0.50% · 4.625%
HK$134,587
+HK$6,739/mo
Deposit HK$10.25M · loan HK$23.91M · min. income ≈ HK$255,696/mo (50% DSR)
Upfront cash ≈ HK$11.70M (deposit + AVD stamp duty HK$1,451,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,181
−HK$8,791/mo
▼ 0.25% · 3.875%
HK$144,542
−HK$4,430/mo
Today · 4.125%
HK$148,972
baseline
▲ 0.50% · 4.625%
HK$158,036
+HK$9,064/mo
Deposit HK$3.42M · loan HK$30.74M · min. income ≈ HK$297,944/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$1,451,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,950
−HK$8,426/mo
▼ 0.25% · 3.875%
HK$160,133
−HK$4,243/mo
Today · 4.125%
HK$164,376
baseline
▲ 0.50% · 4.625%
HK$173,040
+HK$8,664/mo
Deposit HK$3.42M · loan HK$30.74M · min. income ≈ HK$328,752/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$1,451,518 · Scale 2, in force from 26 Feb 2026)