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$77,686
−HK$4,871/mo
▼ 0.25% · 3.875%
HK$80,102
−HK$2,455/mo
Today · 4.125%
HK$82,557
baseline
▲ 0.50% · 4.625%
HK$87,581
+HK$5,024/mo
Deposit HK$17.03M · loan HK$17.03M · min. income ≈ HK$165,114/mo (50% DSR)
Upfront cash ≈ HK$18.48M (deposit + AVD stamp duty HK$1,447,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,424
−HK$4,670/mo
▼ 0.25% · 3.875%
HK$88,742
−HK$2,352/mo
Today · 4.125%
HK$91,094
baseline
▲ 0.50% · 4.625%
HK$95,895
+HK$4,801/mo
Deposit HK$17.03M · loan HK$17.03M · min. income ≈ HK$182,188/mo (50% DSR)
Upfront cash ≈ HK$18.48M (deposit + AVD stamp duty HK$1,447,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,223
−HK$5,846/mo
▼ 0.25% · 3.875%
HK$96,123
−HK$2,946/mo
Today · 4.125%
HK$99,069
baseline
▲ 0.50% · 4.625%
HK$105,097
+HK$6,028/mo
Deposit HK$13.63M · loan HK$20.44M · min. income ≈ HK$198,138/mo (50% DSR)
Upfront cash ≈ HK$15.08M (deposit + AVD stamp duty HK$1,447,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,709
−HK$5,603/mo
▼ 0.25% · 3.875%
HK$106,491
−HK$2,821/mo
Today · 4.125%
HK$109,312
baseline
▲ 0.50% · 4.625%
HK$115,074
+HK$5,762/mo
Deposit HK$13.63M · loan HK$20.44M · min. income ≈ HK$218,624/mo (50% DSR)
Upfront cash ≈ HK$15.08M (deposit + AVD stamp duty HK$1,447,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,760
−HK$6,820/mo
▼ 0.25% · 3.875%
HK$112,143
−HK$3,437/mo
Today · 4.125%
HK$115,580
baseline
▲ 0.50% · 4.625%
HK$122,613
+HK$7,033/mo
Deposit HK$10.22M · loan HK$23.85M · min. income ≈ HK$231,160/mo (50% DSR)
Upfront cash ≈ HK$11.67M (deposit + AVD stamp duty HK$1,447,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,994
−HK$6,537/mo
▼ 0.25% · 3.875%
HK$124,239
−HK$3,292/mo
Today · 4.125%
HK$127,531
baseline
▲ 0.50% · 4.625%
HK$134,254
+HK$6,723/mo
Deposit HK$10.22M · loan HK$23.85M · min. income ≈ HK$255,062/mo (50% DSR)
Upfront cash ≈ HK$11.67M (deposit + AVD stamp duty HK$1,447,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,834
−HK$8,769/mo
▼ 0.25% · 3.875%
HK$144,184
−HK$4,419/mo
Today · 4.125%
HK$148,603
baseline
▲ 0.50% · 4.625%
HK$157,645
+HK$9,042/mo
Deposit HK$3.41M · loan HK$30.66M · min. income ≈ HK$297,206/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$1,447,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,564
−HK$8,405/mo
▼ 0.25% · 3.875%
HK$159,736
−HK$4,233/mo
Today · 4.125%
HK$163,969
baseline
▲ 0.50% · 4.625%
HK$172,612
+HK$8,643/mo
Deposit HK$3.41M · loan HK$30.66M · min. income ≈ HK$327,938/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$1,447,925 · Scale 2, in force from 26 Feb 2026)