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$77,775
−HK$4,877/mo
▼ 0.25% · 3.875%
HK$80,194
−HK$2,458/mo
Today · 4.125%
HK$82,652
baseline
▲ 0.50% · 4.625%
HK$87,681
+HK$5,029/mo
Deposit HK$17.05M · loan HK$17.05M · min. income ≈ HK$165,304/mo (50% DSR)
Upfront cash ≈ HK$18.50M (deposit + AVD stamp duty HK$1,449,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,524
−HK$4,674/mo
▼ 0.25% · 3.875%
HK$88,844
−HK$2,354/mo
Today · 4.125%
HK$91,198
baseline
▲ 0.50% · 4.625%
HK$96,006
+HK$4,808/mo
Deposit HK$17.05M · loan HK$17.05M · min. income ≈ HK$182,396/mo (50% DSR)
Upfront cash ≈ HK$18.50M (deposit + AVD stamp duty HK$1,449,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,330
−HK$5,853/mo
▼ 0.25% · 3.875%
HK$96,233
−HK$2,950/mo
Today · 4.125%
HK$99,183
baseline
▲ 0.50% · 4.625%
HK$105,218
+HK$6,035/mo
Deposit HK$13.64M · loan HK$20.46M · min. income ≈ HK$198,366/mo (50% DSR)
Upfront cash ≈ HK$15.09M (deposit + AVD stamp duty HK$1,449,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,829
−HK$5,609/mo
▼ 0.25% · 3.875%
HK$106,613
−HK$2,825/mo
Today · 4.125%
HK$109,438
baseline
▲ 0.50% · 4.625%
HK$115,207
+HK$5,769/mo
Deposit HK$13.64M · loan HK$20.46M · min. income ≈ HK$218,876/mo (50% DSR)
Upfront cash ≈ HK$15.09M (deposit + AVD stamp duty HK$1,449,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,885
−HK$6,828/mo
▼ 0.25% · 3.875%
HK$112,272
−HK$3,441/mo
Today · 4.125%
HK$115,713
baseline
▲ 0.50% · 4.625%
HK$122,754
+HK$7,041/mo
Deposit HK$10.23M · loan HK$23.88M · min. income ≈ HK$231,426/mo (50% DSR)
Upfront cash ≈ HK$11.68M (deposit + AVD stamp duty HK$1,449,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,133
−HK$6,545/mo
▼ 0.25% · 3.875%
HK$124,382
−HK$3,296/mo
Today · 4.125%
HK$127,678
baseline
▲ 0.50% · 4.625%
HK$134,408
+HK$6,730/mo
Deposit HK$10.23M · loan HK$23.88M · min. income ≈ HK$255,356/mo (50% DSR)
Upfront cash ≈ HK$11.68M (deposit + AVD stamp duty HK$1,449,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,995
−HK$8,779/mo
▼ 0.25% · 3.875%
HK$144,350
−HK$4,424/mo
Today · 4.125%
HK$148,774
baseline
▲ 0.50% · 4.625%
HK$157,826
+HK$9,052/mo
Deposit HK$3.41M · loan HK$30.70M · min. income ≈ HK$297,548/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$1,449,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,743
−HK$8,414/mo
▼ 0.25% · 3.875%
HK$159,920
−HK$4,237/mo
Today · 4.125%
HK$164,157
baseline
▲ 0.50% · 4.625%
HK$172,810
+HK$8,653/mo
Deposit HK$3.41M · loan HK$30.70M · min. income ≈ HK$328,314/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$1,449,589 · Scale 2, in force from 26 Feb 2026)