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$77,574
−HK$4,864/mo
▼ 0.25% · 3.875%
HK$79,987
−HK$2,451/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$1,445,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,300
−HK$4,663/mo
▼ 0.25% · 3.875%
HK$88,615
−HK$2,348/mo
Today · 4.125%
HK$90,963
baseline
▲ 0.50% · 4.625%
HK$95,757
+HK$4,794/mo
Deposit HK$17.01M · loan HK$17.01M · min. income ≈ HK$181,926/mo (50% DSR)
Upfront cash ≈ HK$18.46M (deposit + AVD stamp duty HK$1,445,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,088
−HK$5,838/mo
▼ 0.25% · 3.875%
HK$95,984
−HK$2,942/mo
Today · 4.125%
HK$98,926
baseline
▲ 0.50% · 4.625%
HK$104,945
+HK$6,019/mo
Deposit HK$13.61M · loan HK$20.41M · min. income ≈ HK$197,852/mo (50% DSR)
Upfront cash ≈ HK$15.05M (deposit + AVD stamp duty HK$1,445,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,560
−HK$5,595/mo
▼ 0.25% · 3.875%
HK$106,337
−HK$2,818/mo
Today · 4.125%
HK$109,155
baseline
▲ 0.50% · 4.625%
HK$114,909
+HK$5,754/mo
Deposit HK$13.61M · loan HK$20.41M · min. income ≈ HK$218,310/mo (50% DSR)
Upfront cash ≈ HK$15.05M (deposit + AVD stamp duty HK$1,445,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,603
−HK$6,811/mo
▼ 0.25% · 3.875%
HK$111,981
−HK$3,433/mo
Today · 4.125%
HK$115,414
baseline
▲ 0.50% · 4.625%
HK$122,436
+HK$7,022/mo
Deposit HK$10.21M · loan HK$23.81M · min. income ≈ HK$230,828/mo (50% DSR)
Upfront cash ≈ HK$11.65M (deposit + AVD stamp duty HK$1,445,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,820
−HK$6,528/mo
▼ 0.25% · 3.875%
HK$124,060
−HK$3,288/mo
Today · 4.125%
HK$127,348
baseline
▲ 0.50% · 4.625%
HK$134,060
+HK$6,712/mo
Deposit HK$10.21M · loan HK$23.81M · min. income ≈ HK$254,696/mo (50% DSR)
Upfront cash ≈ HK$11.65M (deposit + AVD stamp duty HK$1,445,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,633
−HK$8,756/mo
▼ 0.25% · 3.875%
HK$143,976
−HK$4,413/mo
Today · 4.125%
HK$148,389
baseline
▲ 0.50% · 4.625%
HK$157,418
+HK$9,029/mo
Deposit HK$3.40M · loan HK$30.62M · min. income ≈ HK$296,778/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$1,445,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,340
−HK$8,393/mo
▼ 0.25% · 3.875%
HK$159,506
−HK$4,227/mo
Today · 4.125%
HK$163,733
baseline
▲ 0.50% · 4.625%
HK$172,363
+HK$8,630/mo
Deposit HK$3.40M · loan HK$30.62M · min. income ≈ HK$327,466/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$1,445,840 · Scale 2, in force from 26 Feb 2026)