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$77,841
−HK$4,881/mo
▼ 0.25% · 3.875%
HK$80,262
−HK$2,460/mo
Today · 4.125%
HK$82,722
baseline
▲ 0.50% · 4.625%
HK$87,756
+HK$5,034/mo
Deposit HK$17.07M · loan HK$17.07M · min. income ≈ HK$165,444/mo (50% DSR)
Upfront cash ≈ HK$18.52M (deposit + AVD stamp duty HK$1,450,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,598
−HK$4,678/mo
▼ 0.25% · 3.875%
HK$88,920
−HK$2,356/mo
Today · 4.125%
HK$91,276
baseline
▲ 0.50% · 4.625%
HK$96,087
+HK$4,811/mo
Deposit HK$17.07M · loan HK$17.07M · min. income ≈ HK$182,552/mo (50% DSR)
Upfront cash ≈ HK$18.52M (deposit + AVD stamp duty HK$1,450,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,409
−HK$5,858/mo
▼ 0.25% · 3.875%
HK$96,315
−HK$2,952/mo
Today · 4.125%
HK$99,267
baseline
▲ 0.50% · 4.625%
HK$105,307
+HK$6,040/mo
Deposit HK$13.65M · loan HK$20.48M · min. income ≈ HK$198,534/mo (50% DSR)
Upfront cash ≈ HK$15.11M (deposit + AVD stamp duty HK$1,450,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,917
−HK$5,614/mo
▼ 0.25% · 3.875%
HK$106,704
−HK$2,827/mo
Today · 4.125%
HK$109,531
baseline
▲ 0.50% · 4.625%
HK$115,305
+HK$5,774/mo
Deposit HK$13.65M · loan HK$20.48M · min. income ≈ HK$219,062/mo (50% DSR)
Upfront cash ≈ HK$15.11M (deposit + AVD stamp duty HK$1,450,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,978
−HK$6,833/mo
▼ 0.25% · 3.875%
HK$112,367
−HK$3,444/mo
Today · 4.125%
HK$115,811
baseline
▲ 0.50% · 4.625%
HK$122,858
+HK$7,047/mo
Deposit HK$10.24M · loan HK$23.90M · min. income ≈ HK$231,622/mo (50% DSR)
Upfront cash ≈ HK$11.69M (deposit + AVD stamp duty HK$1,450,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,237
−HK$6,550/mo
▼ 0.25% · 3.875%
HK$124,488
−HK$3,299/mo
Today · 4.125%
HK$127,787
baseline
▲ 0.50% · 4.625%
HK$134,522
+HK$6,735/mo
Deposit HK$10.24M · loan HK$23.90M · min. income ≈ HK$255,574/mo (50% DSR)
Upfront cash ≈ HK$11.69M (deposit + AVD stamp duty HK$1,450,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,114
−HK$8,786/mo
▼ 0.25% · 3.875%
HK$144,472
−HK$4,428/mo
Today · 4.125%
HK$148,900
baseline
▲ 0.50% · 4.625%
HK$157,961
+HK$9,061/mo
Deposit HK$3.41M · loan HK$30.72M · min. income ≈ HK$297,800/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$1,450,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,876
−HK$8,421/mo
▼ 0.25% · 3.875%
HK$160,056
−HK$4,241/mo
Today · 4.125%
HK$164,297
baseline
▲ 0.50% · 4.625%
HK$172,957
+HK$8,660/mo
Deposit HK$3.41M · loan HK$30.72M · min. income ≈ HK$328,594/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$1,450,824 · Scale 2, in force from 26 Feb 2026)