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$77,730
−HK$4,875/mo
▼ 0.25% · 3.875%
HK$80,148
−HK$2,457/mo
Today · 4.125%
HK$82,605
baseline
▲ 0.50% · 4.625%
HK$87,631
+HK$5,026/mo
Deposit HK$17.04M · loan HK$17.04M · min. income ≈ HK$165,210/mo (50% DSR)
Upfront cash ≈ HK$18.49M (deposit + AVD stamp duty HK$1,448,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,474
−HK$4,672/mo
▼ 0.25% · 3.875%
HK$88,793
−HK$2,353/mo
Today · 4.125%
HK$91,146
baseline
▲ 0.50% · 4.625%
HK$95,950
+HK$4,804/mo
Deposit HK$17.04M · loan HK$17.04M · min. income ≈ HK$182,292/mo (50% DSR)
Upfront cash ≈ HK$18.49M (deposit + AVD stamp duty HK$1,448,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,276
−HK$5,849/mo
▼ 0.25% · 3.875%
HK$96,178
−HK$2,947/mo
Today · 4.125%
HK$99,125
baseline
▲ 0.50% · 4.625%
HK$105,157
+HK$6,032/mo
Deposit HK$13.64M · loan HK$20.45M · min. income ≈ HK$198,250/mo (50% DSR)
Upfront cash ≈ HK$15.08M (deposit + AVD stamp duty HK$1,448,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,769
−HK$5,606/mo
▼ 0.25% · 3.875%
HK$106,552
−HK$2,823/mo
Today · 4.125%
HK$109,375
baseline
▲ 0.50% · 4.625%
HK$115,140
+HK$5,765/mo
Deposit HK$13.64M · loan HK$20.45M · min. income ≈ HK$218,750/mo (50% DSR)
Upfront cash ≈ HK$15.08M (deposit + AVD stamp duty HK$1,448,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,822
−HK$6,824/mo
▼ 0.25% · 3.875%
HK$112,207
−HK$3,439/mo
Today · 4.125%
HK$115,646
baseline
▲ 0.50% · 4.625%
HK$122,683
+HK$7,037/mo
Deposit HK$10.23M · loan HK$23.86M · min. income ≈ HK$231,292/mo (50% DSR)
Upfront cash ≈ HK$11.68M (deposit + AVD stamp duty HK$1,448,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,064
−HK$6,540/mo
▼ 0.25% · 3.875%
HK$124,310
−HK$3,294/mo
Today · 4.125%
HK$127,604
baseline
▲ 0.50% · 4.625%
HK$134,331
+HK$6,727/mo
Deposit HK$10.23M · loan HK$23.86M · min. income ≈ HK$255,208/mo (50% DSR)
Upfront cash ≈ HK$11.68M (deposit + AVD stamp duty HK$1,448,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,914
−HK$8,774/mo
▼ 0.25% · 3.875%
HK$144,266
−HK$4,422/mo
Today · 4.125%
HK$148,688
baseline
▲ 0.50% · 4.625%
HK$157,735
+HK$9,047/mo
Deposit HK$3.41M · loan HK$30.68M · min. income ≈ HK$297,376/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$1,448,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,653
−HK$8,410/mo
▼ 0.25% · 3.875%
HK$159,828
−HK$4,235/mo
Today · 4.125%
HK$164,063
baseline
▲ 0.50% · 4.625%
HK$172,711
+HK$8,648/mo
Deposit HK$3.41M · loan HK$30.68M · min. income ≈ HK$328,126/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$1,448,755 · Scale 2, in force from 26 Feb 2026)