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$77,647
−HK$4,869/mo
▼ 0.25% · 3.875%
HK$80,062
−HK$2,454/mo
Today · 4.125%
HK$82,516
baseline
▲ 0.50% · 4.625%
HK$87,537
+HK$5,021/mo
Deposit HK$17.03M · loan HK$17.03M · min. income ≈ HK$165,032/mo (50% DSR)
Upfront cash ≈ HK$18.47M (deposit + AVD stamp duty HK$1,447,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,382
−HK$4,667/mo
▼ 0.25% · 3.875%
HK$88,698
−HK$2,351/mo
Today · 4.125%
HK$91,049
baseline
▲ 0.50% · 4.625%
HK$95,848
+HK$4,799/mo
Deposit HK$17.03M · loan HK$17.03M · min. income ≈ HK$182,098/mo (50% DSR)
Upfront cash ≈ HK$18.47M (deposit + AVD stamp duty HK$1,447,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,177
−HK$5,843/mo
▼ 0.25% · 3.875%
HK$96,075
−HK$2,945/mo
Today · 4.125%
HK$99,020
baseline
▲ 0.50% · 4.625%
HK$105,045
+HK$6,025/mo
Deposit HK$13.62M · loan HK$20.43M · min. income ≈ HK$198,040/mo (50% DSR)
Upfront cash ≈ HK$15.07M (deposit + AVD stamp duty HK$1,447,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,658
−HK$5,600/mo
▼ 0.25% · 3.875%
HK$106,438
−HK$2,820/mo
Today · 4.125%
HK$109,258
baseline
▲ 0.50% · 4.625%
HK$115,017
+HK$5,759/mo
Deposit HK$13.62M · loan HK$20.43M · min. income ≈ HK$218,516/mo (50% DSR)
Upfront cash ≈ HK$15.07M (deposit + AVD stamp duty HK$1,447,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,706
−HK$6,817/mo
▼ 0.25% · 3.875%
HK$112,087
−HK$3,436/mo
Today · 4.125%
HK$115,523
baseline
▲ 0.50% · 4.625%
HK$122,552
+HK$7,029/mo
Deposit HK$10.22M · loan HK$23.84M · min. income ≈ HK$231,046/mo (50% DSR)
Upfront cash ≈ HK$11.66M (deposit + AVD stamp duty HK$1,447,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,934
−HK$6,534/mo
▼ 0.25% · 3.875%
HK$124,178
−HK$3,290/mo
Today · 4.125%
HK$127,468
baseline
▲ 0.50% · 4.625%
HK$134,187
+HK$6,719/mo
Deposit HK$10.22M · loan HK$23.84M · min. income ≈ HK$254,936/mo (50% DSR)
Upfront cash ≈ HK$11.66M (deposit + AVD stamp duty HK$1,447,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,765
−HK$8,764/mo
▼ 0.25% · 3.875%
HK$144,112
−HK$4,417/mo
Today · 4.125%
HK$148,529
baseline
▲ 0.50% · 4.625%
HK$157,567
+HK$9,038/mo
Deposit HK$3.41M · loan HK$30.65M · min. income ≈ HK$297,058/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$1,447,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,487
−HK$8,400/mo
▼ 0.25% · 3.875%
HK$159,657
−HK$4,230/mo
Today · 4.125%
HK$163,887
baseline
▲ 0.50% · 4.625%
HK$172,526
+HK$8,639/mo
Deposit HK$3.41M · loan HK$30.65M · min. income ≈ HK$327,774/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$1,447,207 · Scale 2, in force from 26 Feb 2026)