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$77,779
−HK$4,878/mo
▼ 0.25% · 3.875%
HK$80,199
−HK$2,458/mo
Today · 4.125%
HK$82,657
baseline
▲ 0.50% · 4.625%
HK$87,686
+HK$5,029/mo
Deposit HK$17.05M · loan HK$17.05M · min. income ≈ HK$165,314/mo (50% DSR)
Upfront cash ≈ HK$18.50M (deposit + AVD stamp duty HK$1,449,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,529
−HK$4,674/mo
▼ 0.25% · 3.875%
HK$88,849
−HK$2,354/mo
Today · 4.125%
HK$91,203
baseline
▲ 0.50% · 4.625%
HK$96,011
+HK$4,808/mo
Deposit HK$17.05M · loan HK$17.05M · min. income ≈ HK$182,406/mo (50% DSR)
Upfront cash ≈ HK$18.50M (deposit + AVD stamp duty HK$1,449,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,335
−HK$5,853/mo
▼ 0.25% · 3.875%
HK$96,238
−HK$2,950/mo
Today · 4.125%
HK$99,188
baseline
▲ 0.50% · 4.625%
HK$105,223
+HK$6,035/mo
Deposit HK$13.64M · loan HK$20.47M · min. income ≈ HK$198,376/mo (50% DSR)
Upfront cash ≈ HK$15.09M (deposit + AVD stamp duty HK$1,449,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,834
−HK$5,610/mo
▼ 0.25% · 3.875%
HK$106,619
−HK$2,825/mo
Today · 4.125%
HK$109,444
baseline
▲ 0.50% · 4.625%
HK$115,213
+HK$5,769/mo
Deposit HK$13.64M · loan HK$20.47M · min. income ≈ HK$218,888/mo (50% DSR)
Upfront cash ≈ HK$15.09M (deposit + AVD stamp duty HK$1,449,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,891
−HK$6,828/mo
▼ 0.25% · 3.875%
HK$112,278
−HK$3,441/mo
Today · 4.125%
HK$115,719
baseline
▲ 0.50% · 4.625%
HK$122,760
+HK$7,041/mo
Deposit HK$10.23M · loan HK$23.88M · min. income ≈ HK$231,438/mo (50% DSR)
Upfront cash ≈ HK$11.68M (deposit + AVD stamp duty HK$1,449,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,140
−HK$6,545/mo
▼ 0.25% · 3.875%
HK$124,389
−HK$3,296/mo
Today · 4.125%
HK$127,685
baseline
▲ 0.50% · 4.625%
HK$134,415
+HK$6,730/mo
Deposit HK$10.23M · loan HK$23.88M · min. income ≈ HK$255,370/mo (50% DSR)
Upfront cash ≈ HK$11.68M (deposit + AVD stamp duty HK$1,449,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,002
−HK$8,780/mo
▼ 0.25% · 3.875%
HK$144,357
−HK$4,425/mo
Today · 4.125%
HK$148,782
baseline
▲ 0.50% · 4.625%
HK$157,835
+HK$9,053/mo
Deposit HK$3.41M · loan HK$30.70M · min. income ≈ HK$297,564/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$1,449,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,751
−HK$8,415/mo
▼ 0.25% · 3.875%
HK$159,929
−HK$4,237/mo
Today · 4.125%
HK$164,166
baseline
▲ 0.50% · 4.625%
HK$172,820
+HK$8,654/mo
Deposit HK$3.41M · loan HK$30.70M · min. income ≈ HK$328,332/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$1,449,668 · Scale 2, in force from 26 Feb 2026)