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$77,749
−HK$4,876/mo
▼ 0.25% · 3.875%
HK$80,168
−HK$2,457/mo
Today · 4.125%
HK$82,625
baseline
▲ 0.50% · 4.625%
HK$87,653
+HK$5,028/mo
Deposit HK$17.05M · loan HK$17.05M · min. income ≈ HK$165,250/mo (50% DSR)
Upfront cash ≈ HK$18.50M (deposit + AVD stamp duty HK$1,449,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,495
−HK$4,674/mo
▼ 0.25% · 3.875%
HK$88,815
−HK$2,354/mo
Today · 4.125%
HK$91,169
baseline
▲ 0.50% · 4.625%
HK$95,974
+HK$4,805/mo
Deposit HK$17.05M · loan HK$17.05M · min. income ≈ HK$182,338/mo (50% DSR)
Upfront cash ≈ HK$18.50M (deposit + AVD stamp duty HK$1,449,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,299
−HK$5,851/mo
▼ 0.25% · 3.875%
HK$96,201
−HK$2,949/mo
Today · 4.125%
HK$99,150
baseline
▲ 0.50% · 4.625%
HK$105,183
+HK$6,033/mo
Deposit HK$13.64M · loan HK$20.46M · min. income ≈ HK$198,300/mo (50% DSR)
Upfront cash ≈ HK$15.09M (deposit + AVD stamp duty HK$1,449,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,795
−HK$5,607/mo
▼ 0.25% · 3.875%
HK$106,578
−HK$2,824/mo
Today · 4.125%
HK$109,402
baseline
▲ 0.50% · 4.625%
HK$115,169
+HK$5,767/mo
Deposit HK$13.64M · loan HK$20.46M · min. income ≈ HK$218,804/mo (50% DSR)
Upfront cash ≈ HK$15.09M (deposit + AVD stamp duty HK$1,449,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,849
−HK$6,826/mo
▼ 0.25% · 3.875%
HK$112,235
−HK$3,440/mo
Today · 4.125%
HK$115,675
baseline
▲ 0.50% · 4.625%
HK$122,714
+HK$7,039/mo
Deposit HK$10.23M · loan HK$23.87M · min. income ≈ HK$231,350/mo (50% DSR)
Upfront cash ≈ HK$11.68M (deposit + AVD stamp duty HK$1,449,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,094
−HK$6,542/mo
▼ 0.25% · 3.875%
HK$124,341
−HK$3,295/mo
Today · 4.125%
HK$127,636
baseline
▲ 0.50% · 4.625%
HK$134,364
+HK$6,728/mo
Deposit HK$10.23M · loan HK$23.87M · min. income ≈ HK$255,272/mo (50% DSR)
Upfront cash ≈ HK$11.68M (deposit + AVD stamp duty HK$1,449,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,949
−HK$8,776/mo
▼ 0.25% · 3.875%
HK$144,302
−HK$4,423/mo
Today · 4.125%
HK$148,725
baseline
▲ 0.50% · 4.625%
HK$157,775
+HK$9,050/mo
Deposit HK$3.41M · loan HK$30.69M · min. income ≈ HK$297,450/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$1,449,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,692
−HK$8,411/mo
▼ 0.25% · 3.875%
HK$159,867
−HK$4,236/mo
Today · 4.125%
HK$164,103
baseline
▲ 0.50% · 4.625%
HK$172,754
+HK$8,651/mo
Deposit HK$3.41M · loan HK$30.69M · min. income ≈ HK$328,206/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$1,449,115 · Scale 2, in force from 26 Feb 2026)