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$77,809
−HK$4,879/mo
▼ 0.25% · 3.875%
HK$80,229
−HK$2,459/mo
Today · 4.125%
HK$82,688
baseline
▲ 0.50% · 4.625%
HK$87,720
+HK$5,032/mo
Deposit HK$17.06M · loan HK$17.06M · min. income ≈ HK$165,376/mo (50% DSR)
Upfront cash ≈ HK$18.51M (deposit + AVD stamp duty HK$1,450,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,562
−HK$4,676/mo
▼ 0.25% · 3.875%
HK$88,883
−HK$2,355/mo
Today · 4.125%
HK$91,238
baseline
▲ 0.50% · 4.625%
HK$96,048
+HK$4,810/mo
Deposit HK$17.06M · loan HK$17.06M · min. income ≈ HK$182,476/mo (50% DSR)
Upfront cash ≈ HK$18.51M (deposit + AVD stamp duty HK$1,450,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,371
−HK$5,855/mo
▼ 0.25% · 3.875%
HK$96,275
−HK$2,951/mo
Today · 4.125%
HK$99,226
baseline
▲ 0.50% · 4.625%
HK$105,263
+HK$6,037/mo
Deposit HK$13.65M · loan HK$20.47M · min. income ≈ HK$198,452/mo (50% DSR)
Upfront cash ≈ HK$15.10M (deposit + AVD stamp duty HK$1,450,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,874
−HK$5,612/mo
▼ 0.25% · 3.875%
HK$106,660
−HK$2,826/mo
Today · 4.125%
HK$109,486
baseline
▲ 0.50% · 4.625%
HK$115,257
+HK$5,771/mo
Deposit HK$13.65M · loan HK$20.47M · min. income ≈ HK$218,972/mo (50% DSR)
Upfront cash ≈ HK$15.10M (deposit + AVD stamp duty HK$1,450,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,932
−HK$6,831/mo
▼ 0.25% · 3.875%
HK$112,321
−HK$3,442/mo
Today · 4.125%
HK$115,763
baseline
▲ 0.50% · 4.625%
HK$122,807
+HK$7,044/mo
Deposit HK$10.24M · loan HK$23.89M · min. income ≈ HK$231,526/mo (50% DSR)
Upfront cash ≈ HK$11.69M (deposit + AVD stamp duty HK$1,450,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,186
−HK$6,548/mo
▼ 0.25% · 3.875%
HK$124,436
−HK$3,298/mo
Today · 4.125%
HK$127,734
baseline
▲ 0.50% · 4.625%
HK$134,467
+HK$6,733/mo
Deposit HK$10.24M · loan HK$23.89M · min. income ≈ HK$255,468/mo (50% DSR)
Upfront cash ≈ HK$11.69M (deposit + AVD stamp duty HK$1,450,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,056
−HK$8,783/mo
▼ 0.25% · 3.875%
HK$144,412
−HK$4,427/mo
Today · 4.125%
HK$148,839
baseline
▲ 0.50% · 4.625%
HK$157,895
+HK$9,056/mo
Deposit HK$3.41M · loan HK$30.71M · min. income ≈ HK$297,678/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$1,450,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,811
−HK$8,418/mo
▼ 0.25% · 3.875%
HK$159,990
−HK$4,239/mo
Today · 4.125%
HK$164,229
baseline
▲ 0.50% · 4.625%
HK$172,886
+HK$8,657/mo
Deposit HK$3.41M · loan HK$30.71M · min. income ≈ HK$328,458/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$1,450,222 · Scale 2, in force from 26 Feb 2026)