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$77,742
−HK$4,876/mo
▼ 0.25% · 3.875%
HK$80,161
−HK$2,457/mo
Today · 4.125%
HK$82,618
baseline
▲ 0.50% · 4.625%
HK$87,645
+HK$5,027/mo
Deposit HK$17.05M · loan HK$17.05M · min. income ≈ HK$165,236/mo (50% DSR)
Upfront cash ≈ HK$18.50M (deposit + AVD stamp duty HK$1,448,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,488
−HK$4,672/mo
▼ 0.25% · 3.875%
HK$88,807
−HK$2,353/mo
Today · 4.125%
HK$91,160
baseline
▲ 0.50% · 4.625%
HK$95,966
+HK$4,806/mo
Deposit HK$17.05M · loan HK$17.05M · min. income ≈ HK$182,320/mo (50% DSR)
Upfront cash ≈ HK$18.50M (deposit + AVD stamp duty HK$1,448,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,291
−HK$5,850/mo
▼ 0.25% · 3.875%
HK$96,193
−HK$2,948/mo
Today · 4.125%
HK$99,141
baseline
▲ 0.50% · 4.625%
HK$105,174
+HK$6,033/mo
Deposit HK$13.64M · loan HK$20.46M · min. income ≈ HK$198,282/mo (50% DSR)
Upfront cash ≈ HK$15.09M (deposit + AVD stamp duty HK$1,448,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,785
−HK$5,607/mo
▼ 0.25% · 3.875%
HK$106,569
−HK$2,823/mo
Today · 4.125%
HK$109,392
baseline
▲ 0.50% · 4.625%
HK$115,159
+HK$5,767/mo
Deposit HK$13.64M · loan HK$20.46M · min. income ≈ HK$218,784/mo (50% DSR)
Upfront cash ≈ HK$15.09M (deposit + AVD stamp duty HK$1,448,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,839
−HK$6,826/mo
▼ 0.25% · 3.875%
HK$112,225
−HK$3,440/mo
Today · 4.125%
HK$115,665
baseline
▲ 0.50% · 4.625%
HK$122,703
+HK$7,038/mo
Deposit HK$10.23M · loan HK$23.87M · min. income ≈ HK$231,330/mo (50% DSR)
Upfront cash ≈ HK$11.68M (deposit + AVD stamp duty HK$1,448,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,083
−HK$6,542/mo
▼ 0.25% · 3.875%
HK$124,330
−HK$3,295/mo
Today · 4.125%
HK$127,625
baseline
▲ 0.50% · 4.625%
HK$134,352
+HK$6,727/mo
Deposit HK$10.23M · loan HK$23.87M · min. income ≈ HK$255,250/mo (50% DSR)
Upfront cash ≈ HK$11.68M (deposit + AVD stamp duty HK$1,448,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,936
−HK$8,776/mo
▼ 0.25% · 3.875%
HK$144,289
−HK$4,423/mo
Today · 4.125%
HK$148,712
baseline
▲ 0.50% · 4.625%
HK$157,760
+HK$9,048/mo
Deposit HK$3.41M · loan HK$30.68M · min. income ≈ HK$297,424/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$1,448,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,678
−HK$8,411/mo
▼ 0.25% · 3.875%
HK$159,853
−HK$4,236/mo
Today · 4.125%
HK$164,089
baseline
▲ 0.50% · 4.625%
HK$172,738
+HK$8,649/mo
Deposit HK$3.41M · loan HK$30.68M · min. income ≈ HK$328,178/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$1,448,984 · Scale 2, in force from 26 Feb 2026)