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$77,816
−HK$4,879/mo
▼ 0.25% · 3.875%
HK$80,236
−HK$2,459/mo
Today · 4.125%
HK$82,695
baseline
▲ 0.50% · 4.625%
HK$87,727
+HK$5,032/mo
Deposit HK$17.06M · loan HK$17.06M · min. income ≈ HK$165,390/mo (50% DSR)
Upfront cash ≈ HK$18.51M (deposit + AVD stamp duty HK$1,450,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,569
−HK$4,677/mo
▼ 0.25% · 3.875%
HK$88,891
−HK$2,355/mo
Today · 4.125%
HK$91,246
baseline
▲ 0.50% · 4.625%
HK$96,056
+HK$4,810/mo
Deposit HK$17.06M · loan HK$17.06M · min. income ≈ HK$182,492/mo (50% DSR)
Upfront cash ≈ HK$18.51M (deposit + AVD stamp duty HK$1,450,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,379
−HK$5,855/mo
▼ 0.25% · 3.875%
HK$96,283
−HK$2,951/mo
Today · 4.125%
HK$99,234
baseline
▲ 0.50% · 4.625%
HK$105,273
+HK$6,039/mo
Deposit HK$13.65M · loan HK$20.48M · min. income ≈ HK$198,468/mo (50% DSR)
Upfront cash ≈ HK$15.10M (deposit + AVD stamp duty HK$1,450,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,883
−HK$5,612/mo
▼ 0.25% · 3.875%
HK$106,669
−HK$2,826/mo
Today · 4.125%
HK$109,495
baseline
▲ 0.50% · 4.625%
HK$115,267
+HK$5,772/mo
Deposit HK$13.65M · loan HK$20.48M · min. income ≈ HK$218,990/mo (50% DSR)
Upfront cash ≈ HK$15.10M (deposit + AVD stamp duty HK$1,450,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,942
−HK$6,831/mo
▼ 0.25% · 3.875%
HK$112,331
−HK$3,442/mo
Today · 4.125%
HK$115,773
baseline
▲ 0.50% · 4.625%
HK$122,818
+HK$7,045/mo
Deposit HK$10.24M · loan HK$23.89M · min. income ≈ HK$231,546/mo (50% DSR)
Upfront cash ≈ HK$11.69M (deposit + AVD stamp duty HK$1,450,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,197
−HK$6,548/mo
▼ 0.25% · 3.875%
HK$124,447
−HK$3,298/mo
Today · 4.125%
HK$127,745
baseline
▲ 0.50% · 4.625%
HK$134,478
+HK$6,733/mo
Deposit HK$10.24M · loan HK$23.89M · min. income ≈ HK$255,490/mo (50% DSR)
Upfront cash ≈ HK$11.69M (deposit + AVD stamp duty HK$1,450,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,068
−HK$8,784/mo
▼ 0.25% · 3.875%
HK$144,425
−HK$4,427/mo
Today · 4.125%
HK$148,852
baseline
▲ 0.50% · 4.625%
HK$157,909
+HK$9,057/mo
Deposit HK$3.41M · loan HK$30.71M · min. income ≈ HK$297,704/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$1,450,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,824
−HK$8,419/mo
▼ 0.25% · 3.875%
HK$160,003
−HK$4,240/mo
Today · 4.125%
HK$164,243
baseline
▲ 0.50% · 4.625%
HK$172,901
+HK$8,658/mo
Deposit HK$3.41M · loan HK$30.71M · min. income ≈ HK$328,486/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$1,450,348 · Scale 2, in force from 26 Feb 2026)