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$77,701
−HK$4,872/mo
▼ 0.25% · 3.875%
HK$80,118
−HK$2,455/mo
Today · 4.125%
HK$82,573
baseline
▲ 0.50% · 4.625%
HK$87,598
+HK$5,025/mo
Deposit HK$17.04M · loan HK$17.04M · min. income ≈ HK$165,146/mo (50% DSR)
Upfront cash ≈ HK$18.49M (deposit + AVD stamp duty HK$1,448,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,441
−HK$4,670/mo
▼ 0.25% · 3.875%
HK$88,759
−HK$2,352/mo
Today · 4.125%
HK$91,111
baseline
▲ 0.50% · 4.625%
HK$95,914
+HK$4,803/mo
Deposit HK$17.04M · loan HK$17.04M · min. income ≈ HK$182,222/mo (50% DSR)
Upfront cash ≈ HK$18.49M (deposit + AVD stamp duty HK$1,448,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,241
−HK$5,847/mo
▼ 0.25% · 3.875%
HK$96,141
−HK$2,947/mo
Today · 4.125%
HK$99,088
baseline
▲ 0.50% · 4.625%
HK$105,117
+HK$6,029/mo
Deposit HK$13.63M · loan HK$20.45M · min. income ≈ HK$198,176/mo (50% DSR)
Upfront cash ≈ HK$15.08M (deposit + AVD stamp duty HK$1,448,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,729
−HK$5,605/mo
▼ 0.25% · 3.875%
HK$106,511
−HK$2,823/mo
Today · 4.125%
HK$109,334
baseline
▲ 0.50% · 4.625%
HK$115,097
+HK$5,763/mo
Deposit HK$13.63M · loan HK$20.45M · min. income ≈ HK$218,668/mo (50% DSR)
Upfront cash ≈ HK$15.08M (deposit + AVD stamp duty HK$1,448,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,781
−HK$6,821/mo
▼ 0.25% · 3.875%
HK$112,165
−HK$3,437/mo
Today · 4.125%
HK$115,602
baseline
▲ 0.50% · 4.625%
HK$122,637
+HK$7,035/mo
Deposit HK$10.22M · loan HK$23.85M · min. income ≈ HK$231,204/mo (50% DSR)
Upfront cash ≈ HK$11.67M (deposit + AVD stamp duty HK$1,448,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,018
−HK$6,538/mo
▼ 0.25% · 3.875%
HK$124,263
−HK$3,293/mo
Today · 4.125%
HK$127,556
baseline
▲ 0.50% · 4.625%
HK$134,280
+HK$6,724/mo
Deposit HK$10.22M · loan HK$23.85M · min. income ≈ HK$255,112/mo (50% DSR)
Upfront cash ≈ HK$11.67M (deposit + AVD stamp duty HK$1,448,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,861
−HK$8,771/mo
▼ 0.25% · 3.875%
HK$144,212
−HK$4,420/mo
Today · 4.125%
HK$148,632
baseline
▲ 0.50% · 4.625%
HK$157,676
+HK$9,044/mo
Deposit HK$3.41M · loan HK$30.67M · min. income ≈ HK$297,264/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$1,448,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,594
−HK$8,406/mo
▼ 0.25% · 3.875%
HK$159,767
−HK$4,233/mo
Today · 4.125%
HK$164,000
baseline
▲ 0.50% · 4.625%
HK$172,645
+HK$8,645/mo
Deposit HK$3.41M · loan HK$30.67M · min. income ≈ HK$328,000/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$1,448,205 · Scale 2, in force from 26 Feb 2026)