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$77,576
−HK$4,865/mo
▼ 0.25% · 3.875%
HK$79,989
−HK$2,452/mo
Today · 4.125%
HK$82,441
baseline
▲ 0.50% · 4.625%
HK$87,457
+HK$5,016/mo
Deposit HK$17.01M · loan HK$17.01M · min. income ≈ HK$164,882/mo (50% DSR)
Upfront cash ≈ HK$18.46M (deposit + AVD stamp duty HK$1,445,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,302
−HK$4,663/mo
▼ 0.25% · 3.875%
HK$88,617
−HK$2,348/mo
Today · 4.125%
HK$90,965
baseline
▲ 0.50% · 4.625%
HK$95,760
+HK$4,795/mo
Deposit HK$17.01M · loan HK$17.01M · min. income ≈ HK$181,930/mo (50% DSR)
Upfront cash ≈ HK$18.46M (deposit + AVD stamp duty HK$1,445,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,091
−HK$5,838/mo
▼ 0.25% · 3.875%
HK$95,987
−HK$2,942/mo
Today · 4.125%
HK$98,929
baseline
▲ 0.50% · 4.625%
HK$104,948
+HK$6,019/mo
Deposit HK$13.61M · loan HK$20.41M · min. income ≈ HK$197,858/mo (50% DSR)
Upfront cash ≈ HK$15.05M (deposit + AVD stamp duty HK$1,445,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,563
−HK$5,595/mo
▼ 0.25% · 3.875%
HK$106,340
−HK$2,818/mo
Today · 4.125%
HK$109,158
baseline
▲ 0.50% · 4.625%
HK$114,912
+HK$5,754/mo
Deposit HK$13.61M · loan HK$20.41M · min. income ≈ HK$218,316/mo (50% DSR)
Upfront cash ≈ HK$15.05M (deposit + AVD stamp duty HK$1,445,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,606
−HK$6,811/mo
▼ 0.25% · 3.875%
HK$111,985
−HK$3,432/mo
Today · 4.125%
HK$115,417
baseline
▲ 0.50% · 4.625%
HK$122,440
+HK$7,023/mo
Deposit HK$10.21M · loan HK$23.81M · min. income ≈ HK$230,834/mo (50% DSR)
Upfront cash ≈ HK$11.65M (deposit + AVD stamp duty HK$1,445,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,823
−HK$6,528/mo
▼ 0.25% · 3.875%
HK$124,064
−HK$3,287/mo
Today · 4.125%
HK$127,351
baseline
▲ 0.50% · 4.625%
HK$134,064
+HK$6,713/mo
Deposit HK$10.21M · loan HK$23.81M · min. income ≈ HK$254,702/mo (50% DSR)
Upfront cash ≈ HK$11.65M (deposit + AVD stamp duty HK$1,445,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,637
−HK$8,756/mo
▼ 0.25% · 3.875%
HK$143,980
−HK$4,413/mo
Today · 4.125%
HK$148,393
baseline
▲ 0.50% · 4.625%
HK$157,422
+HK$9,029/mo
Deposit HK$3.40M · loan HK$30.62M · min. income ≈ HK$296,786/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$1,445,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,344
−HK$8,393/mo
▼ 0.25% · 3.875%
HK$159,511
−HK$4,226/mo
Today · 4.125%
HK$163,737
baseline
▲ 0.50% · 4.625%
HK$172,368
+HK$8,631/mo
Deposit HK$3.40M · loan HK$30.62M · min. income ≈ HK$327,474/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$1,445,880 · Scale 2, in force from 26 Feb 2026)