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$77,627
−HK$4,868/mo
▼ 0.25% · 3.875%
HK$80,042
−HK$2,453/mo
Today · 4.125%
HK$82,495
baseline
▲ 0.50% · 4.625%
HK$87,514
+HK$5,019/mo
Deposit HK$17.02M · loan HK$17.02M · min. income ≈ HK$164,990/mo (50% DSR)
Upfront cash ≈ HK$18.47M (deposit + AVD stamp duty HK$1,446,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,359
−HK$4,666/mo
▼ 0.25% · 3.875%
HK$88,675
−HK$2,350/mo
Today · 4.125%
HK$91,025
baseline
▲ 0.50% · 4.625%
HK$95,823
+HK$4,798/mo
Deposit HK$17.02M · loan HK$17.02M · min. income ≈ HK$182,050/mo (50% DSR)
Upfront cash ≈ HK$18.47M (deposit + AVD stamp duty HK$1,446,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,152
−HK$5,842/mo
▼ 0.25% · 3.875%
HK$96,050
−HK$2,944/mo
Today · 4.125%
HK$98,994
baseline
▲ 0.50% · 4.625%
HK$105,017
+HK$6,023/mo
Deposit HK$13.62M · loan HK$20.43M · min. income ≈ HK$197,988/mo (50% DSR)
Upfront cash ≈ HK$15.06M (deposit + AVD stamp duty HK$1,446,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,631
−HK$5,599/mo
▼ 0.25% · 3.875%
HK$106,410
−HK$2,820/mo
Today · 4.125%
HK$109,230
baseline
▲ 0.50% · 4.625%
HK$114,988
+HK$5,758/mo
Deposit HK$13.62M · loan HK$20.43M · min. income ≈ HK$218,460/mo (50% DSR)
Upfront cash ≈ HK$15.06M (deposit + AVD stamp duty HK$1,446,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,678
−HK$6,815/mo
▼ 0.25% · 3.875%
HK$112,058
−HK$3,435/mo
Today · 4.125%
HK$115,493
baseline
▲ 0.50% · 4.625%
HK$122,520
+HK$7,027/mo
Deposit HK$10.21M · loan HK$23.83M · min. income ≈ HK$230,986/mo (50% DSR)
Upfront cash ≈ HK$11.66M (deposit + AVD stamp duty HK$1,446,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,903
−HK$6,532/mo
▼ 0.25% · 3.875%
HK$124,145
−HK$3,290/mo
Today · 4.125%
HK$127,435
baseline
▲ 0.50% · 4.625%
HK$134,152
+HK$6,717/mo
Deposit HK$10.21M · loan HK$23.83M · min. income ≈ HK$254,870/mo (50% DSR)
Upfront cash ≈ HK$11.66M (deposit + AVD stamp duty HK$1,446,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,729
−HK$8,762/mo
▼ 0.25% · 3.875%
HK$144,075
−HK$4,416/mo
Today · 4.125%
HK$148,491
baseline
▲ 0.50% · 4.625%
HK$157,526
+HK$9,035/mo
Deposit HK$3.40M · loan HK$30.64M · min. income ≈ HK$296,982/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$1,446,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,447
−HK$8,398/mo
▼ 0.25% · 3.875%
HK$159,616
−HK$4,229/mo
Today · 4.125%
HK$163,845
baseline
▲ 0.50% · 4.625%
HK$172,481
+HK$8,636/mo
Deposit HK$3.40M · loan HK$30.64M · min. income ≈ HK$327,690/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$1,446,831 · Scale 2, in force from 26 Feb 2026)