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$77,750
−HK$4,876/mo
▼ 0.25% · 3.875%
HK$80,169
−HK$2,457/mo
Today · 4.125%
HK$82,626
baseline
▲ 0.50% · 4.625%
HK$87,653
+HK$5,027/mo
Deposit HK$17.05M · loan HK$17.05M · min. income ≈ HK$165,252/mo (50% DSR)
Upfront cash ≈ HK$18.50M (deposit + AVD stamp duty HK$1,449,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,496
−HK$4,673/mo
▼ 0.25% · 3.875%
HK$88,816
−HK$2,353/mo
Today · 4.125%
HK$91,169
baseline
▲ 0.50% · 4.625%
HK$95,975
+HK$4,806/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$1,449,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,300
−HK$5,851/mo
▼ 0.25% · 3.875%
HK$96,202
−HK$2,949/mo
Today · 4.125%
HK$99,151
baseline
▲ 0.50% · 4.625%
HK$105,184
+HK$6,033/mo
Deposit HK$13.64M · loan HK$20.46M · min. income ≈ HK$198,302/mo (50% DSR)
Upfront cash ≈ HK$15.09M (deposit + AVD stamp duty HK$1,449,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,795
−HK$5,608/mo
▼ 0.25% · 3.875%
HK$106,579
−HK$2,824/mo
Today · 4.125%
HK$109,403
baseline
▲ 0.50% · 4.625%
HK$115,170
+HK$5,767/mo
Deposit HK$13.64M · loan HK$20.46M · min. income ≈ HK$218,806/mo (50% DSR)
Upfront cash ≈ HK$15.09M (deposit + AVD stamp duty HK$1,449,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,850
−HK$6,826/mo
▼ 0.25% · 3.875%
HK$112,236
−HK$3,440/mo
Today · 4.125%
HK$115,676
baseline
▲ 0.50% · 4.625%
HK$122,715
+HK$7,039/mo
Deposit HK$10.23M · loan HK$23.87M · min. income ≈ HK$231,352/mo (50% DSR)
Upfront cash ≈ HK$11.68M (deposit + AVD stamp duty HK$1,449,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,095
−HK$6,542/mo
▼ 0.25% · 3.875%
HK$124,342
−HK$3,295/mo
Today · 4.125%
HK$127,637
baseline
▲ 0.50% · 4.625%
HK$134,365
+HK$6,728/mo
Deposit HK$10.23M · loan HK$23.87M · min. income ≈ HK$255,274/mo (50% DSR)
Upfront cash ≈ HK$11.68M (deposit + AVD stamp duty HK$1,449,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,950
−HK$8,776/mo
▼ 0.25% · 3.875%
HK$144,303
−HK$4,423/mo
Today · 4.125%
HK$148,726
baseline
▲ 0.50% · 4.625%
HK$157,776
+HK$9,050/mo
Deposit HK$3.41M · loan HK$30.69M · min. income ≈ HK$297,452/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$1,449,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,693
−HK$8,412/mo
▼ 0.25% · 3.875%
HK$159,869
−HK$4,236/mo
Today · 4.125%
HK$164,105
baseline
▲ 0.50% · 4.625%
HK$172,755
+HK$8,650/mo
Deposit HK$3.41M · loan HK$30.69M · min. income ≈ HK$328,210/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$1,449,126 · Scale 2, in force from 26 Feb 2026)