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$77,557
−HK$4,863/mo
▼ 0.25% · 3.875%
HK$79,969
−HK$2,451/mo
Today · 4.125%
HK$82,420
baseline
▲ 0.50% · 4.625%
HK$87,436
+HK$5,016/mo
Deposit HK$17.01M · loan HK$17.01M · min. income ≈ HK$164,840/mo (50% DSR)
Upfront cash ≈ HK$18.45M (deposit + AVD stamp duty HK$1,445,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,281
−HK$4,662/mo
▼ 0.25% · 3.875%
HK$88,595
−HK$2,348/mo
Today · 4.125%
HK$90,943
baseline
▲ 0.50% · 4.625%
HK$95,737
+HK$4,794/mo
Deposit HK$17.01M · loan HK$17.01M · min. income ≈ HK$181,886/mo (50% DSR)
Upfront cash ≈ HK$18.45M (deposit + AVD stamp duty HK$1,445,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,068
−HK$5,837/mo
▼ 0.25% · 3.875%
HK$95,963
−HK$2,942/mo
Today · 4.125%
HK$98,905
baseline
▲ 0.50% · 4.625%
HK$104,923
+HK$6,018/mo
Deposit HK$13.60M · loan HK$20.41M · min. income ≈ HK$197,810/mo (50% DSR)
Upfront cash ≈ HK$15.05M (deposit + AVD stamp duty HK$1,445,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,538
−HK$5,593/mo
▼ 0.25% · 3.875%
HK$106,314
−HK$2,817/mo
Today · 4.125%
HK$109,131
baseline
▲ 0.50% · 4.625%
HK$114,884
+HK$5,753/mo
Deposit HK$13.60M · loan HK$20.41M · min. income ≈ HK$218,262/mo (50% DSR)
Upfront cash ≈ HK$15.05M (deposit + AVD stamp duty HK$1,445,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,580
−HK$6,809/mo
▼ 0.25% · 3.875%
HK$111,957
−HK$3,432/mo
Today · 4.125%
HK$115,389
baseline
▲ 0.50% · 4.625%
HK$122,410
+HK$7,021/mo
Deposit HK$10.20M · loan HK$23.81M · min. income ≈ HK$230,778/mo (50% DSR)
Upfront cash ≈ HK$11.65M (deposit + AVD stamp duty HK$1,445,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,794
−HK$6,526/mo
▼ 0.25% · 3.875%
HK$124,033
−HK$3,287/mo
Today · 4.125%
HK$127,320
baseline
▲ 0.50% · 4.625%
HK$134,031
+HK$6,711/mo
Deposit HK$10.20M · loan HK$23.81M · min. income ≈ HK$254,640/mo (50% DSR)
Upfront cash ≈ HK$11.65M (deposit + AVD stamp duty HK$1,445,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,603
−HK$8,754/mo
▼ 0.25% · 3.875%
HK$143,945
−HK$4,412/mo
Today · 4.125%
HK$148,357
baseline
▲ 0.50% · 4.625%
HK$157,384
+HK$9,027/mo
Deposit HK$3.40M · loan HK$30.61M · min. income ≈ HK$296,714/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$1,445,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,306
−HK$8,391/mo
▼ 0.25% · 3.875%
HK$159,472
−HK$4,225/mo
Today · 4.125%
HK$163,697
baseline
▲ 0.50% · 4.625%
HK$172,326
+HK$8,629/mo
Deposit HK$3.40M · loan HK$30.61M · min. income ≈ HK$327,394/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$1,445,527 · Scale 2, in force from 26 Feb 2026)