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$77,684
−HK$4,872/mo
▼ 0.25% · 3.875%
HK$80,101
−HK$2,455/mo
Today · 4.125%
HK$82,556
baseline
▲ 0.50% · 4.625%
HK$87,579
+HK$5,023/mo
Deposit HK$17.03M · loan HK$17.03M · min. income ≈ HK$165,112/mo (50% DSR)
Upfront cash ≈ HK$18.48M (deposit + AVD stamp duty HK$1,447,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,423
−HK$4,669/mo
▼ 0.25% · 3.875%
HK$88,741
−HK$2,351/mo
Today · 4.125%
HK$91,092
baseline
▲ 0.50% · 4.625%
HK$95,894
+HK$4,802/mo
Deposit HK$17.03M · loan HK$17.03M · min. income ≈ HK$182,184/mo (50% DSR)
Upfront cash ≈ HK$18.48M (deposit + AVD stamp duty HK$1,447,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,221
−HK$5,846/mo
▼ 0.25% · 3.875%
HK$96,121
−HK$2,946/mo
Today · 4.125%
HK$99,067
baseline
▲ 0.50% · 4.625%
HK$105,095
+HK$6,028/mo
Deposit HK$13.63M · loan HK$20.44M · min. income ≈ HK$198,134/mo (50% DSR)
Upfront cash ≈ HK$15.08M (deposit + AVD stamp duty HK$1,447,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,707
−HK$5,603/mo
▼ 0.25% · 3.875%
HK$106,489
−HK$2,821/mo
Today · 4.125%
HK$109,310
baseline
▲ 0.50% · 4.625%
HK$115,072
+HK$5,762/mo
Deposit HK$13.63M · loan HK$20.44M · min. income ≈ HK$218,620/mo (50% DSR)
Upfront cash ≈ HK$15.08M (deposit + AVD stamp duty HK$1,447,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,758
−HK$6,820/mo
▼ 0.25% · 3.875%
HK$112,141
−HK$3,437/mo
Today · 4.125%
HK$115,578
baseline
▲ 0.50% · 4.625%
HK$122,610
+HK$7,032/mo
Deposit HK$10.22M · loan HK$23.85M · min. income ≈ HK$231,156/mo (50% DSR)
Upfront cash ≈ HK$11.67M (deposit + AVD stamp duty HK$1,447,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,992
−HK$6,537/mo
▼ 0.25% · 3.875%
HK$124,237
−HK$3,292/mo
Today · 4.125%
HK$127,529
baseline
▲ 0.50% · 4.625%
HK$134,251
+HK$6,722/mo
Deposit HK$10.22M · loan HK$23.85M · min. income ≈ HK$255,058/mo (50% DSR)
Upfront cash ≈ HK$11.67M (deposit + AVD stamp duty HK$1,447,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,831
−HK$8,769/mo
▼ 0.25% · 3.875%
HK$144,181
−HK$4,419/mo
Today · 4.125%
HK$148,600
baseline
▲ 0.50% · 4.625%
HK$157,642
+HK$9,042/mo
Deposit HK$3.41M · loan HK$30.66M · min. income ≈ HK$297,200/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$1,447,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,561
−HK$8,404/mo
▼ 0.25% · 3.875%
HK$159,733
−HK$4,232/mo
Today · 4.125%
HK$163,965
baseline
▲ 0.50% · 4.625%
HK$172,608
+HK$8,643/mo
Deposit HK$3.41M · loan HK$30.66M · min. income ≈ HK$327,930/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$1,447,897 · Scale 2, in force from 26 Feb 2026)