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$77,722
−HK$4,874/mo
▼ 0.25% · 3.875%
HK$80,140
−HK$2,456/mo
Today · 4.125%
HK$82,596
baseline
▲ 0.50% · 4.625%
HK$87,622
+HK$5,026/mo
Deposit HK$17.04M · loan HK$17.04M · min. income ≈ HK$165,192/mo (50% DSR)
Upfront cash ≈ HK$18.49M (deposit + AVD stamp duty HK$1,448,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,465
−HK$4,672/mo
▼ 0.25% · 3.875%
HK$88,784
−HK$2,353/mo
Today · 4.125%
HK$91,137
baseline
▲ 0.50% · 4.625%
HK$95,941
+HK$4,804/mo
Deposit HK$17.04M · loan HK$17.04M · min. income ≈ HK$182,274/mo (50% DSR)
Upfront cash ≈ HK$18.49M (deposit + AVD stamp duty HK$1,448,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,267
−HK$5,848/mo
▼ 0.25% · 3.875%
HK$96,168
−HK$2,947/mo
Today · 4.125%
HK$99,115
baseline
▲ 0.50% · 4.625%
HK$105,146
+HK$6,031/mo
Deposit HK$13.63M · loan HK$20.45M · min. income ≈ HK$198,230/mo (50% DSR)
Upfront cash ≈ HK$15.08M (deposit + AVD stamp duty HK$1,448,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,758
−HK$5,606/mo
▼ 0.25% · 3.875%
HK$106,541
−HK$2,823/mo
Today · 4.125%
HK$109,364
baseline
▲ 0.50% · 4.625%
HK$115,129
+HK$5,765/mo
Deposit HK$13.63M · loan HK$20.45M · min. income ≈ HK$218,728/mo (50% DSR)
Upfront cash ≈ HK$15.08M (deposit + AVD stamp duty HK$1,448,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,811
−HK$6,823/mo
▼ 0.25% · 3.875%
HK$112,196
−HK$3,438/mo
Today · 4.125%
HK$115,634
baseline
▲ 0.50% · 4.625%
HK$122,671
+HK$7,037/mo
Deposit HK$10.23M · loan HK$23.86M · min. income ≈ HK$231,268/mo (50% DSR)
Upfront cash ≈ HK$11.67M (deposit + AVD stamp duty HK$1,448,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,051
−HK$6,540/mo
▼ 0.25% · 3.875%
HK$124,298
−HK$3,293/mo
Today · 4.125%
HK$127,591
baseline
▲ 0.50% · 4.625%
HK$134,317
+HK$6,726/mo
Deposit HK$10.23M · loan HK$23.86M · min. income ≈ HK$255,182/mo (50% DSR)
Upfront cash ≈ HK$11.67M (deposit + AVD stamp duty HK$1,448,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,900
−HK$8,773/mo
▼ 0.25% · 3.875%
HK$144,252
−HK$4,421/mo
Today · 4.125%
HK$148,673
baseline
▲ 0.50% · 4.625%
HK$157,719
+HK$9,046/mo
Deposit HK$3.41M · loan HK$30.68M · min. income ≈ HK$297,346/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$1,448,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,637
−HK$8,409/mo
▼ 0.25% · 3.875%
HK$159,811
−HK$4,235/mo
Today · 4.125%
HK$164,046
baseline
▲ 0.50% · 4.625%
HK$172,693
+HK$8,647/mo
Deposit HK$3.41M · loan HK$30.68M · min. income ≈ HK$328,092/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$1,448,606 · Scale 2, in force from 26 Feb 2026)