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$77,775
−HK$4,877/mo
▼ 0.25% · 3.875%
HK$80,194
−HK$2,458/mo
Today · 4.125%
HK$82,652
baseline
▲ 0.50% · 4.625%
HK$87,681
+HK$5,029/mo
Deposit HK$17.05M · loan HK$17.05M · min. income ≈ HK$165,304/mo (50% DSR)
Upfront cash ≈ HK$18.50M (deposit + AVD stamp duty HK$1,449,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,523
−HK$4,675/mo
▼ 0.25% · 3.875%
HK$88,844
−HK$2,354/mo
Today · 4.125%
HK$91,198
baseline
▲ 0.50% · 4.625%
HK$96,005
+HK$4,807/mo
Deposit HK$17.05M · loan HK$17.05M · min. income ≈ HK$182,396/mo (50% DSR)
Upfront cash ≈ HK$18.50M (deposit + AVD stamp duty HK$1,449,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,330
−HK$5,852/mo
▼ 0.25% · 3.875%
HK$96,233
−HK$2,949/mo
Today · 4.125%
HK$99,182
baseline
▲ 0.50% · 4.625%
HK$105,217
+HK$6,035/mo
Deposit HK$13.64M · loan HK$20.46M · min. income ≈ HK$198,364/mo (50% DSR)
Upfront cash ≈ HK$15.09M (deposit + AVD stamp duty HK$1,449,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,828
−HK$5,610/mo
▼ 0.25% · 3.875%
HK$106,613
−HK$2,825/mo
Today · 4.125%
HK$109,438
baseline
▲ 0.50% · 4.625%
HK$115,206
+HK$5,768/mo
Deposit HK$13.64M · loan HK$20.46M · min. income ≈ HK$218,876/mo (50% DSR)
Upfront cash ≈ HK$15.09M (deposit + AVD stamp duty HK$1,449,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,884
−HK$6,828/mo
▼ 0.25% · 3.875%
HK$112,271
−HK$3,441/mo
Today · 4.125%
HK$115,712
baseline
▲ 0.50% · 4.625%
HK$122,753
+HK$7,041/mo
Deposit HK$10.23M · loan HK$23.88M · min. income ≈ HK$231,424/mo (50% DSR)
Upfront cash ≈ HK$11.68M (deposit + AVD stamp duty HK$1,449,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,133
−HK$6,544/mo
▼ 0.25% · 3.875%
HK$124,382
−HK$3,295/mo
Today · 4.125%
HK$127,677
baseline
▲ 0.50% · 4.625%
HK$134,407
+HK$6,730/mo
Deposit HK$10.23M · loan HK$23.88M · min. income ≈ HK$255,354/mo (50% DSR)
Upfront cash ≈ HK$11.68M (deposit + AVD stamp duty HK$1,449,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,994
−HK$8,779/mo
▼ 0.25% · 3.875%
HK$144,349
−HK$4,424/mo
Today · 4.125%
HK$148,773
baseline
▲ 0.50% · 4.625%
HK$157,826
+HK$9,053/mo
Deposit HK$3.41M · loan HK$30.70M · min. income ≈ HK$297,546/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$1,449,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,742
−HK$8,414/mo
▼ 0.25% · 3.875%
HK$159,919
−HK$4,237/mo
Today · 4.125%
HK$164,156
baseline
▲ 0.50% · 4.625%
HK$172,809
+HK$8,653/mo
Deposit HK$3.41M · loan HK$30.70M · min. income ≈ HK$328,312/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$1,449,583 · Scale 2, in force from 26 Feb 2026)