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$77,741
−HK$4,875/mo
▼ 0.25% · 3.875%
HK$80,159
−HK$2,457/mo
Today · 4.125%
HK$82,616
baseline
▲ 0.50% · 4.625%
HK$87,643
+HK$5,027/mo
Deposit HK$17.05M · loan HK$17.05M · min. income ≈ HK$165,232/mo (50% DSR)
Upfront cash ≈ HK$18.50M (deposit + AVD stamp duty HK$1,448,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,486
−HK$4,672/mo
▼ 0.25% · 3.875%
HK$88,805
−HK$2,353/mo
Today · 4.125%
HK$91,158
baseline
▲ 0.50% · 4.625%
HK$95,963
+HK$4,805/mo
Deposit HK$17.05M · loan HK$17.05M · min. income ≈ HK$182,316/mo (50% DSR)
Upfront cash ≈ HK$18.50M (deposit + AVD stamp duty HK$1,448,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,289
−HK$5,850/mo
▼ 0.25% · 3.875%
HK$96,191
−HK$2,948/mo
Today · 4.125%
HK$99,139
baseline
▲ 0.50% · 4.625%
HK$105,171
+HK$6,032/mo
Deposit HK$13.64M · loan HK$20.46M · min. income ≈ HK$198,278/mo (50% DSR)
Upfront cash ≈ HK$15.09M (deposit + AVD stamp duty HK$1,448,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,783
−HK$5,607/mo
▼ 0.25% · 3.875%
HK$106,566
−HK$2,824/mo
Today · 4.125%
HK$109,390
baseline
▲ 0.50% · 4.625%
HK$115,156
+HK$5,766/mo
Deposit HK$13.64M · loan HK$20.46M · min. income ≈ HK$218,780/mo (50% DSR)
Upfront cash ≈ HK$15.09M (deposit + AVD stamp duty HK$1,448,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,837
−HK$6,825/mo
▼ 0.25% · 3.875%
HK$112,223
−HK$3,439/mo
Today · 4.125%
HK$115,662
baseline
▲ 0.50% · 4.625%
HK$122,700
+HK$7,038/mo
Deposit HK$10.23M · loan HK$23.87M · min. income ≈ HK$231,324/mo (50% DSR)
Upfront cash ≈ HK$11.68M (deposit + AVD stamp duty HK$1,448,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,080
−HK$6,542/mo
▼ 0.25% · 3.875%
HK$124,327
−HK$3,295/mo
Today · 4.125%
HK$127,622
baseline
▲ 0.50% · 4.625%
HK$134,349
+HK$6,727/mo
Deposit HK$10.23M · loan HK$23.87M · min. income ≈ HK$255,244/mo (50% DSR)
Upfront cash ≈ HK$11.68M (deposit + AVD stamp duty HK$1,448,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,933
−HK$8,775/mo
▼ 0.25% · 3.875%
HK$144,286
−HK$4,422/mo
Today · 4.125%
HK$148,708
baseline
▲ 0.50% · 4.625%
HK$157,757
+HK$9,049/mo
Deposit HK$3.41M · loan HK$30.68M · min. income ≈ HK$297,416/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$1,448,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,674
−HK$8,411/mo
▼ 0.25% · 3.875%
HK$159,850
−HK$4,235/mo
Today · 4.125%
HK$164,085
baseline
▲ 0.50% · 4.625%
HK$172,734
+HK$8,649/mo
Deposit HK$3.41M · loan HK$30.68M · min. income ≈ HK$328,170/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$1,448,953 · Scale 2, in force from 26 Feb 2026)