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$77,710
−HK$4,873/mo
▼ 0.25% · 3.875%
HK$80,127
−HK$2,456/mo
Today · 4.125%
HK$82,583
baseline
▲ 0.50% · 4.625%
HK$87,608
+HK$5,025/mo
Deposit HK$17.04M · loan HK$17.04M · min. income ≈ HK$165,166/mo (50% DSR)
Upfront cash ≈ HK$18.49M (deposit + AVD stamp duty HK$1,448,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,452
−HK$4,670/mo
▼ 0.25% · 3.875%
HK$88,770
−HK$2,352/mo
Today · 4.125%
HK$91,122
baseline
▲ 0.50% · 4.625%
HK$95,926
+HK$4,804/mo
Deposit HK$17.04M · loan HK$17.04M · min. income ≈ HK$182,244/mo (50% DSR)
Upfront cash ≈ HK$18.49M (deposit + AVD stamp duty HK$1,448,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,252
−HK$5,848/mo
▼ 0.25% · 3.875%
HK$96,153
−HK$2,947/mo
Today · 4.125%
HK$99,100
baseline
▲ 0.50% · 4.625%
HK$105,130
+HK$6,030/mo
Deposit HK$13.63M · loan HK$20.45M · min. income ≈ HK$198,200/mo (50% DSR)
Upfront cash ≈ HK$15.08M (deposit + AVD stamp duty HK$1,448,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,742
−HK$5,605/mo
▼ 0.25% · 3.875%
HK$106,524
−HK$2,823/mo
Today · 4.125%
HK$109,347
baseline
▲ 0.50% · 4.625%
HK$115,111
+HK$5,764/mo
Deposit HK$13.63M · loan HK$20.45M · min. income ≈ HK$218,694/mo (50% DSR)
Upfront cash ≈ HK$15.08M (deposit + AVD stamp duty HK$1,448,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,794
−HK$6,822/mo
▼ 0.25% · 3.875%
HK$112,178
−HK$3,438/mo
Today · 4.125%
HK$115,616
baseline
▲ 0.50% · 4.625%
HK$122,651
+HK$7,035/mo
Deposit HK$10.22M · loan HK$23.86M · min. income ≈ HK$231,232/mo (50% DSR)
Upfront cash ≈ HK$11.67M (deposit + AVD stamp duty HK$1,448,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,032
−HK$6,539/mo
▼ 0.25% · 3.875%
HK$124,278
−HK$3,293/mo
Today · 4.125%
HK$127,571
baseline
▲ 0.50% · 4.625%
HK$134,296
+HK$6,725/mo
Deposit HK$10.22M · loan HK$23.86M · min. income ≈ HK$255,142/mo (50% DSR)
Upfront cash ≈ HK$11.67M (deposit + AVD stamp duty HK$1,448,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,878
−HK$8,772/mo
▼ 0.25% · 3.875%
HK$144,229
−HK$4,421/mo
Today · 4.125%
HK$148,650
baseline
▲ 0.50% · 4.625%
HK$157,695
+HK$9,045/mo
Deposit HK$3.41M · loan HK$30.67M · min. income ≈ HK$297,300/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$1,448,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,613
−HK$8,407/mo
▼ 0.25% · 3.875%
HK$159,786
−HK$4,234/mo
Today · 4.125%
HK$164,020
baseline
▲ 0.50% · 4.625%
HK$172,666
+HK$8,646/mo
Deposit HK$3.41M · loan HK$30.67M · min. income ≈ HK$328,040/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$1,448,380 · Scale 2, in force from 26 Feb 2026)