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$77,703
−HK$4,872/mo
▼ 0.25% · 3.875%
HK$80,120
−HK$2,455/mo
Today · 4.125%
HK$82,575
baseline
▲ 0.50% · 4.625%
HK$87,600
+HK$5,025/mo
Deposit HK$17.04M · loan HK$17.04M · min. income ≈ HK$165,150/mo (50% DSR)
Upfront cash ≈ HK$18.49M (deposit + AVD stamp duty HK$1,448,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,443
−HK$4,671/mo
▼ 0.25% · 3.875%
HK$88,762
−HK$2,352/mo
Today · 4.125%
HK$91,114
baseline
▲ 0.50% · 4.625%
HK$95,916
+HK$4,802/mo
Deposit HK$17.04M · loan HK$17.04M · min. income ≈ HK$182,228/mo (50% DSR)
Upfront cash ≈ HK$18.49M (deposit + AVD stamp duty HK$1,448,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,243
−HK$5,847/mo
▼ 0.25% · 3.875%
HK$96,144
−HK$2,946/mo
Today · 4.125%
HK$99,090
baseline
▲ 0.50% · 4.625%
HK$105,120
+HK$6,030/mo
Deposit HK$13.63M · loan HK$20.45M · min. income ≈ HK$198,180/mo (50% DSR)
Upfront cash ≈ HK$15.08M (deposit + AVD stamp duty HK$1,448,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,732
−HK$5,604/mo
▼ 0.25% · 3.875%
HK$106,514
−HK$2,822/mo
Today · 4.125%
HK$109,336
baseline
▲ 0.50% · 4.625%
HK$115,100
+HK$5,764/mo
Deposit HK$13.63M · loan HK$20.45M · min. income ≈ HK$218,672/mo (50% DSR)
Upfront cash ≈ HK$15.08M (deposit + AVD stamp duty HK$1,448,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,784
−HK$6,821/mo
▼ 0.25% · 3.875%
HK$112,168
−HK$3,437/mo
Today · 4.125%
HK$115,605
baseline
▲ 0.50% · 4.625%
HK$122,640
+HK$7,035/mo
Deposit HK$10.22M · loan HK$23.85M · min. income ≈ HK$231,210/mo (50% DSR)
Upfront cash ≈ HK$11.67M (deposit + AVD stamp duty HK$1,448,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,021
−HK$6,538/mo
▼ 0.25% · 3.875%
HK$124,267
−HK$3,292/mo
Today · 4.125%
HK$127,559
baseline
▲ 0.50% · 4.625%
HK$134,283
+HK$6,724/mo
Deposit HK$10.22M · loan HK$23.85M · min. income ≈ HK$255,118/mo (50% DSR)
Upfront cash ≈ HK$11.67M (deposit + AVD stamp duty HK$1,448,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,865
−HK$8,771/mo
▼ 0.25% · 3.875%
HK$144,215
−HK$4,421/mo
Today · 4.125%
HK$148,636
baseline
▲ 0.50% · 4.625%
HK$157,680
+HK$9,044/mo
Deposit HK$3.41M · loan HK$30.67M · min. income ≈ HK$297,272/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$1,448,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,598
−HK$8,407/mo
▼ 0.25% · 3.875%
HK$159,771
−HK$4,234/mo
Today · 4.125%
HK$164,005
baseline
▲ 0.50% · 4.625%
HK$172,650
+HK$8,645/mo
Deposit HK$3.41M · loan HK$30.67M · min. income ≈ HK$328,010/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$1,448,242 · Scale 2, in force from 26 Feb 2026)