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$77,783
−HK$4,878/mo
▼ 0.25% · 3.875%
HK$80,203
−HK$2,458/mo
Today · 4.125%
HK$82,661
baseline
▲ 0.50% · 4.625%
HK$87,690
+HK$5,029/mo
Deposit HK$17.06M · loan HK$17.06M · min. income ≈ HK$165,322/mo (50% DSR)
Upfront cash ≈ HK$18.51M (deposit + AVD stamp duty HK$1,449,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,533
−HK$4,675/mo
▼ 0.25% · 3.875%
HK$88,854
−HK$2,354/mo
Today · 4.125%
HK$91,208
baseline
▲ 0.50% · 4.625%
HK$96,016
+HK$4,808/mo
Deposit HK$17.06M · loan HK$17.06M · min. income ≈ HK$182,416/mo (50% DSR)
Upfront cash ≈ HK$18.51M (deposit + AVD stamp duty HK$1,449,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,340
−HK$5,853/mo
▼ 0.25% · 3.875%
HK$96,243
−HK$2,950/mo
Today · 4.125%
HK$99,193
baseline
▲ 0.50% · 4.625%
HK$105,229
+HK$6,036/mo
Deposit HK$13.64M · loan HK$20.47M · min. income ≈ HK$198,386/mo (50% DSR)
Upfront cash ≈ HK$15.09M (deposit + AVD stamp duty HK$1,449,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,839
−HK$5,611/mo
▼ 0.25% · 3.875%
HK$106,624
−HK$2,826/mo
Today · 4.125%
HK$109,450
baseline
▲ 0.50% · 4.625%
HK$115,219
+HK$5,769/mo
Deposit HK$13.64M · loan HK$20.47M · min. income ≈ HK$218,900/mo (50% DSR)
Upfront cash ≈ HK$15.09M (deposit + AVD stamp duty HK$1,449,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,896
−HK$6,829/mo
▼ 0.25% · 3.875%
HK$112,284
−HK$3,441/mo
Today · 4.125%
HK$115,725
baseline
▲ 0.50% · 4.625%
HK$122,767
+HK$7,042/mo
Deposit HK$10.23M · loan HK$23.88M · min. income ≈ HK$231,450/mo (50% DSR)
Upfront cash ≈ HK$11.68M (deposit + AVD stamp duty HK$1,449,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,146
−HK$6,545/mo
▼ 0.25% · 3.875%
HK$124,395
−HK$3,296/mo
Today · 4.125%
HK$127,691
baseline
▲ 0.50% · 4.625%
HK$134,422
+HK$6,731/mo
Deposit HK$10.23M · loan HK$23.88M · min. income ≈ HK$255,382/mo (50% DSR)
Upfront cash ≈ HK$11.68M (deposit + AVD stamp duty HK$1,449,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,010
−HK$8,779/mo
▼ 0.25% · 3.875%
HK$144,365
−HK$4,424/mo
Today · 4.125%
HK$148,789
baseline
▲ 0.50% · 4.625%
HK$157,843
+HK$9,054/mo
Deposit HK$3.41M · loan HK$30.70M · min. income ≈ HK$297,578/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$1,449,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,759
−HK$8,415/mo
▼ 0.25% · 3.875%
HK$159,937
−HK$4,237/mo
Today · 4.125%
HK$164,174
baseline
▲ 0.50% · 4.625%
HK$172,828
+HK$8,654/mo
Deposit HK$3.41M · loan HK$30.70M · min. income ≈ HK$328,348/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$1,449,742 · Scale 2, in force from 26 Feb 2026)