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$77,790
−HK$4,879/mo
▼ 0.25% · 3.875%
HK$80,210
−HK$2,459/mo
Today · 4.125%
HK$82,669
baseline
▲ 0.50% · 4.625%
HK$87,699
+HK$5,030/mo
Deposit HK$17.06M · loan HK$17.06M · min. income ≈ HK$165,338/mo (50% DSR)
Upfront cash ≈ HK$18.51M (deposit + AVD stamp duty HK$1,449,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,541
−HK$4,676/mo
▼ 0.25% · 3.875%
HK$88,862
−HK$2,355/mo
Today · 4.125%
HK$91,217
baseline
▲ 0.50% · 4.625%
HK$96,025
+HK$4,808/mo
Deposit HK$17.06M · loan HK$17.06M · min. income ≈ HK$182,434/mo (50% DSR)
Upfront cash ≈ HK$18.51M (deposit + AVD stamp duty HK$1,449,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,349
−HK$5,853/mo
▼ 0.25% · 3.875%
HK$96,252
−HK$2,950/mo
Today · 4.125%
HK$99,202
baseline
▲ 0.50% · 4.625%
HK$105,239
+HK$6,037/mo
Deposit HK$13.65M · loan HK$20.47M · min. income ≈ HK$198,404/mo (50% DSR)
Upfront cash ≈ HK$15.10M (deposit + AVD stamp duty HK$1,449,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,849
−HK$5,611/mo
▼ 0.25% · 3.875%
HK$106,634
−HK$2,826/mo
Today · 4.125%
HK$109,460
baseline
▲ 0.50% · 4.625%
HK$115,230
+HK$5,770/mo
Deposit HK$13.65M · loan HK$20.47M · min. income ≈ HK$218,920/mo (50% DSR)
Upfront cash ≈ HK$15.10M (deposit + AVD stamp duty HK$1,449,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,907
−HK$6,829/mo
▼ 0.25% · 3.875%
HK$112,294
−HK$3,442/mo
Today · 4.125%
HK$115,736
baseline
▲ 0.50% · 4.625%
HK$122,778
+HK$7,042/mo
Deposit HK$10.23M · loan HK$23.88M · min. income ≈ HK$231,472/mo (50% DSR)
Upfront cash ≈ HK$11.68M (deposit + AVD stamp duty HK$1,449,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,158
−HK$6,545/mo
▼ 0.25% · 3.875%
HK$124,407
−HK$3,296/mo
Today · 4.125%
HK$127,703
baseline
▲ 0.50% · 4.625%
HK$134,435
+HK$6,732/mo
Deposit HK$10.23M · loan HK$23.88M · min. income ≈ HK$255,406/mo (50% DSR)
Upfront cash ≈ HK$11.68M (deposit + AVD stamp duty HK$1,449,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,023
−HK$8,780/mo
▼ 0.25% · 3.875%
HK$144,378
−HK$4,425/mo
Today · 4.125%
HK$148,803
baseline
▲ 0.50% · 4.625%
HK$157,858
+HK$9,055/mo
Deposit HK$3.41M · loan HK$30.70M · min. income ≈ HK$297,606/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$1,449,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,774
−HK$8,416/mo
▼ 0.25% · 3.875%
HK$159,952
−HK$4,238/mo
Today · 4.125%
HK$164,190
baseline
▲ 0.50% · 4.625%
HK$172,845
+HK$8,655/mo
Deposit HK$3.41M · loan HK$30.70M · min. income ≈ HK$328,380/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$1,449,879 · Scale 2, in force from 26 Feb 2026)