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$77,573
−HK$4,865/mo
▼ 0.25% · 3.875%
HK$79,986
−HK$2,452/mo
Today · 4.125%
HK$82,438
baseline
▲ 0.50% · 4.625%
HK$87,454
+HK$5,016/mo
Deposit HK$17.01M · loan HK$17.01M · min. income ≈ HK$164,876/mo (50% DSR)
Upfront cash ≈ HK$18.46M (deposit + AVD stamp duty HK$1,445,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,299
−HK$4,663/mo
▼ 0.25% · 3.875%
HK$88,614
−HK$2,348/mo
Today · 4.125%
HK$90,962
baseline
▲ 0.50% · 4.625%
HK$95,756
+HK$4,794/mo
Deposit HK$17.01M · loan HK$17.01M · min. income ≈ HK$181,924/mo (50% DSR)
Upfront cash ≈ HK$18.46M (deposit + AVD stamp duty HK$1,445,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,088
−HK$5,837/mo
▼ 0.25% · 3.875%
HK$95,983
−HK$2,942/mo
Today · 4.125%
HK$98,925
baseline
▲ 0.50% · 4.625%
HK$104,944
+HK$6,019/mo
Deposit HK$13.61M · loan HK$20.41M · min. income ≈ HK$197,850/mo (50% DSR)
Upfront cash ≈ HK$15.05M (deposit + AVD stamp duty HK$1,445,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,559
−HK$5,595/mo
▼ 0.25% · 3.875%
HK$106,336
−HK$2,818/mo
Today · 4.125%
HK$109,154
baseline
▲ 0.50% · 4.625%
HK$114,908
+HK$5,754/mo
Deposit HK$13.61M · loan HK$20.41M · min. income ≈ HK$218,308/mo (50% DSR)
Upfront cash ≈ HK$15.05M (deposit + AVD stamp duty HK$1,445,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,602
−HK$6,811/mo
▼ 0.25% · 3.875%
HK$111,980
−HK$3,433/mo
Today · 4.125%
HK$115,413
baseline
▲ 0.50% · 4.625%
HK$122,435
+HK$7,022/mo
Deposit HK$10.21M · loan HK$23.81M · min. income ≈ HK$230,826/mo (50% DSR)
Upfront cash ≈ HK$11.65M (deposit + AVD stamp duty HK$1,445,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,819
−HK$6,527/mo
▼ 0.25% · 3.875%
HK$124,059
−HK$3,287/mo
Today · 4.125%
HK$127,346
baseline
▲ 0.50% · 4.625%
HK$134,059
+HK$6,713/mo
Deposit HK$10.21M · loan HK$23.81M · min. income ≈ HK$254,692/mo (50% DSR)
Upfront cash ≈ HK$11.65M (deposit + AVD stamp duty HK$1,445,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,631
−HK$8,757/mo
▼ 0.25% · 3.875%
HK$143,975
−HK$4,413/mo
Today · 4.125%
HK$148,388
baseline
▲ 0.50% · 4.625%
HK$157,417
+HK$9,029/mo
Deposit HK$3.40M · loan HK$30.62M · min. income ≈ HK$296,776/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$1,445,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,339
−HK$8,392/mo
▼ 0.25% · 3.875%
HK$159,505
−HK$4,226/mo
Today · 4.125%
HK$163,731
baseline
▲ 0.50% · 4.625%
HK$172,361
+HK$8,630/mo
Deposit HK$3.40M · loan HK$30.62M · min. income ≈ HK$327,462/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$1,445,826 · Scale 2, in force from 26 Feb 2026)