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$77,726
−HK$4,874/mo
▼ 0.25% · 3.875%
HK$80,144
−HK$2,456/mo
Today · 4.125%
HK$82,600
baseline
▲ 0.50% · 4.625%
HK$87,626
+HK$5,026/mo
Deposit HK$17.04M · loan HK$17.04M · min. income ≈ HK$165,200/mo (50% DSR)
Upfront cash ≈ HK$18.49M (deposit + AVD stamp duty HK$1,448,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,470
−HK$4,671/mo
▼ 0.25% · 3.875%
HK$88,789
−HK$2,352/mo
Today · 4.125%
HK$91,141
baseline
▲ 0.50% · 4.625%
HK$95,946
+HK$4,805/mo
Deposit HK$17.04M · loan HK$17.04M · min. income ≈ HK$182,282/mo (50% DSR)
Upfront cash ≈ HK$18.49M (deposit + AVD stamp duty HK$1,448,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,271
−HK$5,849/mo
▼ 0.25% · 3.875%
HK$96,173
−HK$2,947/mo
Today · 4.125%
HK$99,120
baseline
▲ 0.50% · 4.625%
HK$105,152
+HK$6,032/mo
Deposit HK$13.63M · loan HK$20.45M · min. income ≈ HK$198,240/mo (50% DSR)
Upfront cash ≈ HK$15.08M (deposit + AVD stamp duty HK$1,448,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,764
−HK$5,606/mo
▼ 0.25% · 3.875%
HK$106,546
−HK$2,824/mo
Today · 4.125%
HK$109,370
baseline
▲ 0.50% · 4.625%
HK$115,135
+HK$5,765/mo
Deposit HK$13.63M · loan HK$20.45M · min. income ≈ HK$218,740/mo (50% DSR)
Upfront cash ≈ HK$15.08M (deposit + AVD stamp duty HK$1,448,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,817
−HK$6,823/mo
▼ 0.25% · 3.875%
HK$112,202
−HK$3,438/mo
Today · 4.125%
HK$115,640
baseline
▲ 0.50% · 4.625%
HK$122,677
+HK$7,037/mo
Deposit HK$10.23M · loan HK$23.86M · min. income ≈ HK$231,280/mo (50% DSR)
Upfront cash ≈ HK$11.67M (deposit + AVD stamp duty HK$1,448,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,058
−HK$6,540/mo
▼ 0.25% · 3.875%
HK$124,304
−HK$3,294/mo
Today · 4.125%
HK$127,598
baseline
▲ 0.50% · 4.625%
HK$134,324
+HK$6,726/mo
Deposit HK$10.23M · loan HK$23.86M · min. income ≈ HK$255,196/mo (50% DSR)
Upfront cash ≈ HK$11.67M (deposit + AVD stamp duty HK$1,448,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,907
−HK$8,774/mo
▼ 0.25% · 3.875%
HK$144,259
−HK$4,422/mo
Today · 4.125%
HK$148,681
baseline
▲ 0.50% · 4.625%
HK$157,728
+HK$9,047/mo
Deposit HK$3.41M · loan HK$30.68M · min. income ≈ HK$297,362/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$1,448,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,645
−HK$8,409/mo
▼ 0.25% · 3.875%
HK$159,820
−HK$4,234/mo
Today · 4.125%
HK$164,054
baseline
▲ 0.50% · 4.625%
HK$172,702
+HK$8,648/mo
Deposit HK$3.41M · loan HK$30.68M · min. income ≈ HK$328,108/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$1,448,682 · Scale 2, in force from 26 Feb 2026)