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$77,767
−HK$4,877/mo
▼ 0.25% · 3.875%
HK$80,186
−HK$2,458/mo
Today · 4.125%
HK$82,644
baseline
▲ 0.50% · 4.625%
HK$87,673
+HK$5,029/mo
Deposit HK$17.05M · loan HK$17.05M · min. income ≈ HK$165,288/mo (50% DSR)
Upfront cash ≈ HK$18.50M (deposit + AVD stamp duty HK$1,449,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,515
−HK$4,674/mo
▼ 0.25% · 3.875%
HK$88,836
−HK$2,353/mo
Today · 4.125%
HK$91,189
baseline
▲ 0.50% · 4.625%
HK$95,996
+HK$4,807/mo
Deposit HK$17.05M · loan HK$17.05M · min. income ≈ HK$182,378/mo (50% DSR)
Upfront cash ≈ HK$18.50M (deposit + AVD stamp duty HK$1,449,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,321
−HK$5,852/mo
▼ 0.25% · 3.875%
HK$96,223
−HK$2,950/mo
Today · 4.125%
HK$99,173
baseline
▲ 0.50% · 4.625%
HK$105,207
+HK$6,034/mo
Deposit HK$13.64M · loan HK$20.46M · min. income ≈ HK$198,346/mo (50% DSR)
Upfront cash ≈ HK$15.09M (deposit + AVD stamp duty HK$1,449,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,818
−HK$5,609/mo
▼ 0.25% · 3.875%
HK$106,603
−HK$2,824/mo
Today · 4.125%
HK$109,427
baseline
▲ 0.50% · 4.625%
HK$115,195
+HK$5,768/mo
Deposit HK$13.64M · loan HK$20.46M · min. income ≈ HK$218,854/mo (50% DSR)
Upfront cash ≈ HK$15.09M (deposit + AVD stamp duty HK$1,449,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,874
−HK$6,827/mo
▼ 0.25% · 3.875%
HK$112,261
−HK$3,440/mo
Today · 4.125%
HK$115,701
baseline
▲ 0.50% · 4.625%
HK$122,742
+HK$7,041/mo
Deposit HK$10.23M · loan HK$23.87M · min. income ≈ HK$231,402/mo (50% DSR)
Upfront cash ≈ HK$11.68M (deposit + AVD stamp duty HK$1,449,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,121
−HK$6,544/mo
▼ 0.25% · 3.875%
HK$124,370
−HK$3,295/mo
Today · 4.125%
HK$127,665
baseline
▲ 0.50% · 4.625%
HK$134,395
+HK$6,730/mo
Deposit HK$10.23M · loan HK$23.87M · min. income ≈ HK$255,330/mo (50% DSR)
Upfront cash ≈ HK$11.68M (deposit + AVD stamp duty HK$1,449,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,981
−HK$8,778/mo
▼ 0.25% · 3.875%
HK$144,335
−HK$4,424/mo
Today · 4.125%
HK$148,759
baseline
▲ 0.50% · 4.625%
HK$157,811
+HK$9,052/mo
Deposit HK$3.41M · loan HK$30.69M · min. income ≈ HK$297,518/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$1,449,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,727
−HK$8,414/mo
▼ 0.25% · 3.875%
HK$159,904
−HK$4,237/mo
Today · 4.125%
HK$164,141
baseline
▲ 0.50% · 4.625%
HK$172,793
+HK$8,652/mo
Deposit HK$3.41M · loan HK$30.69M · min. income ≈ HK$328,282/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$1,449,446 · Scale 2, in force from 26 Feb 2026)