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$77,777
−HK$4,877/mo
▼ 0.25% · 3.875%
HK$80,196
−HK$2,458/mo
Today · 4.125%
HK$82,654
baseline
▲ 0.50% · 4.625%
HK$87,683
+HK$5,029/mo
Deposit HK$17.05M · loan HK$17.05M · min. income ≈ HK$165,308/mo (50% DSR)
Upfront cash ≈ HK$18.50M (deposit + AVD stamp duty HK$1,449,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,526
−HK$4,675/mo
▼ 0.25% · 3.875%
HK$88,846
−HK$2,355/mo
Today · 4.125%
HK$91,201
baseline
▲ 0.50% · 4.625%
HK$96,008
+HK$4,807/mo
Deposit HK$17.05M · loan HK$17.05M · min. income ≈ HK$182,402/mo (50% DSR)
Upfront cash ≈ HK$18.50M (deposit + AVD stamp duty HK$1,449,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,332
−HK$5,853/mo
▼ 0.25% · 3.875%
HK$96,235
−HK$2,950/mo
Today · 4.125%
HK$99,185
baseline
▲ 0.50% · 4.625%
HK$105,220
+HK$6,035/mo
Deposit HK$13.64M · loan HK$20.47M · min. income ≈ HK$198,370/mo (50% DSR)
Upfront cash ≈ HK$15.09M (deposit + AVD stamp duty HK$1,449,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,831
−HK$5,610/mo
▼ 0.25% · 3.875%
HK$106,616
−HK$2,825/mo
Today · 4.125%
HK$109,441
baseline
▲ 0.50% · 4.625%
HK$115,210
+HK$5,769/mo
Deposit HK$13.64M · loan HK$20.47M · min. income ≈ HK$218,882/mo (50% DSR)
Upfront cash ≈ HK$15.09M (deposit + AVD stamp duty HK$1,449,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,888
−HK$6,828/mo
▼ 0.25% · 3.875%
HK$112,275
−HK$3,441/mo
Today · 4.125%
HK$115,716
baseline
▲ 0.50% · 4.625%
HK$122,757
+HK$7,041/mo
Deposit HK$10.23M · loan HK$23.88M · min. income ≈ HK$231,432/mo (50% DSR)
Upfront cash ≈ HK$11.68M (deposit + AVD stamp duty HK$1,449,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,136
−HK$6,545/mo
▼ 0.25% · 3.875%
HK$124,385
−HK$3,296/mo
Today · 4.125%
HK$127,681
baseline
▲ 0.50% · 4.625%
HK$134,411
+HK$6,730/mo
Deposit HK$10.23M · loan HK$23.88M · min. income ≈ HK$255,362/mo (50% DSR)
Upfront cash ≈ HK$11.68M (deposit + AVD stamp duty HK$1,449,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,998
−HK$8,779/mo
▼ 0.25% · 3.875%
HK$144,353
−HK$4,424/mo
Today · 4.125%
HK$148,777
baseline
▲ 0.50% · 4.625%
HK$157,830
+HK$9,053/mo
Deposit HK$3.41M · loan HK$30.70M · min. income ≈ HK$297,554/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$1,449,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,747
−HK$8,414/mo
▼ 0.25% · 3.875%
HK$159,924
−HK$4,237/mo
Today · 4.125%
HK$164,161
baseline
▲ 0.50% · 4.625%
HK$172,814
+HK$8,653/mo
Deposit HK$3.41M · loan HK$30.70M · min. income ≈ HK$328,322/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$1,449,624 · Scale 2, in force from 26 Feb 2026)