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$77,852
−HK$4,882/mo
▼ 0.25% · 3.875%
HK$80,273
−HK$2,461/mo
Today · 4.125%
HK$82,734
baseline
▲ 0.50% · 4.625%
HK$87,768
+HK$5,034/mo
Deposit HK$17.07M · loan HK$17.07M · min. income ≈ HK$165,468/mo (50% DSR)
Upfront cash ≈ HK$18.52M (deposit + AVD stamp duty HK$1,451,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,609
−HK$4,680/mo
▼ 0.25% · 3.875%
HK$88,932
−HK$2,357/mo
Today · 4.125%
HK$91,289
baseline
▲ 0.50% · 4.625%
HK$96,101
+HK$4,812/mo
Deposit HK$17.07M · loan HK$17.07M · min. income ≈ HK$182,578/mo (50% DSR)
Upfront cash ≈ HK$18.52M (deposit + AVD stamp duty HK$1,451,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,422
−HK$5,859/mo
▼ 0.25% · 3.875%
HK$96,328
−HK$2,953/mo
Today · 4.125%
HK$99,281
baseline
▲ 0.50% · 4.625%
HK$105,322
+HK$6,041/mo
Deposit HK$13.66M · loan HK$20.49M · min. income ≈ HK$198,562/mo (50% DSR)
Upfront cash ≈ HK$15.11M (deposit + AVD stamp duty HK$1,451,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,931
−HK$5,615/mo
▼ 0.25% · 3.875%
HK$106,719
−HK$2,827/mo
Today · 4.125%
HK$109,546
baseline
▲ 0.50% · 4.625%
HK$115,321
+HK$5,775/mo
Deposit HK$13.66M · loan HK$20.49M · min. income ≈ HK$219,092/mo (50% DSR)
Upfront cash ≈ HK$15.11M (deposit + AVD stamp duty HK$1,451,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,993
−HK$6,834/mo
▼ 0.25% · 3.875%
HK$112,383
−HK$3,444/mo
Today · 4.125%
HK$115,827
baseline
▲ 0.50% · 4.625%
HK$122,875
+HK$7,048/mo
Deposit HK$10.24M · loan HK$23.90M · min. income ≈ HK$231,654/mo (50% DSR)
Upfront cash ≈ HK$11.69M (deposit + AVD stamp duty HK$1,451,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,253
−HK$6,551/mo
▼ 0.25% · 3.875%
HK$124,505
−HK$3,299/mo
Today · 4.125%
HK$127,804
baseline
▲ 0.50% · 4.625%
HK$134,541
+HK$6,737/mo
Deposit HK$10.24M · loan HK$23.90M · min. income ≈ HK$255,608/mo (50% DSR)
Upfront cash ≈ HK$11.69M (deposit + AVD stamp duty HK$1,451,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,133
−HK$8,788/mo
▼ 0.25% · 3.875%
HK$144,492
−HK$4,429/mo
Today · 4.125%
HK$148,921
baseline
▲ 0.50% · 4.625%
HK$157,982
+HK$9,061/mo
Deposit HK$3.41M · loan HK$30.73M · min. income ≈ HK$297,842/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$1,451,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,897
−HK$8,422/mo
▼ 0.25% · 3.875%
HK$160,078
−HK$4,241/mo
Today · 4.125%
HK$164,319
baseline
▲ 0.50% · 4.625%
HK$172,981
+HK$8,662/mo
Deposit HK$3.41M · loan HK$30.73M · min. income ≈ HK$328,638/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$1,451,022 · Scale 2, in force from 26 Feb 2026)