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$77,566
−HK$4,864/mo
▼ 0.25% · 3.875%
HK$79,979
−HK$2,451/mo
Today · 4.125%
HK$82,430
baseline
▲ 0.50% · 4.625%
HK$87,446
+HK$5,016/mo
Deposit HK$17.01M · loan HK$17.01M · min. income ≈ HK$164,860/mo (50% DSR)
Upfront cash ≈ HK$18.45M (deposit + AVD stamp duty HK$1,445,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,291
−HK$4,662/mo
▼ 0.25% · 3.875%
HK$88,606
−HK$2,347/mo
Today · 4.125%
HK$90,953
baseline
▲ 0.50% · 4.625%
HK$95,748
+HK$4,795/mo
Deposit HK$17.01M · loan HK$17.01M · min. income ≈ HK$181,906/mo (50% DSR)
Upfront cash ≈ HK$18.45M (deposit + AVD stamp duty HK$1,445,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,079
−HK$5,837/mo
▼ 0.25% · 3.875%
HK$95,974
−HK$2,942/mo
Today · 4.125%
HK$98,916
baseline
▲ 0.50% · 4.625%
HK$104,935
+HK$6,019/mo
Deposit HK$13.61M · loan HK$20.41M · min. income ≈ HK$197,832/mo (50% DSR)
Upfront cash ≈ HK$15.05M (deposit + AVD stamp duty HK$1,445,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,550
−HK$5,594/mo
▼ 0.25% · 3.875%
HK$106,327
−HK$2,817/mo
Today · 4.125%
HK$109,144
baseline
▲ 0.50% · 4.625%
HK$114,897
+HK$5,753/mo
Deposit HK$13.61M · loan HK$20.41M · min. income ≈ HK$218,288/mo (50% DSR)
Upfront cash ≈ HK$15.05M (deposit + AVD stamp duty HK$1,445,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,592
−HK$6,810/mo
▼ 0.25% · 3.875%
HK$111,970
−HK$3,432/mo
Today · 4.125%
HK$115,402
baseline
▲ 0.50% · 4.625%
HK$122,424
+HK$7,022/mo
Deposit HK$10.20M · loan HK$23.81M · min. income ≈ HK$230,804/mo (50% DSR)
Upfront cash ≈ HK$11.65M (deposit + AVD stamp duty HK$1,445,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,808
−HK$6,527/mo
▼ 0.25% · 3.875%
HK$124,048
−HK$3,287/mo
Today · 4.125%
HK$127,335
baseline
▲ 0.50% · 4.625%
HK$134,047
+HK$6,712/mo
Deposit HK$10.20M · loan HK$23.81M · min. income ≈ HK$254,670/mo (50% DSR)
Upfront cash ≈ HK$11.65M (deposit + AVD stamp duty HK$1,445,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,619
−HK$8,755/mo
▼ 0.25% · 3.875%
HK$143,962
−HK$4,412/mo
Today · 4.125%
HK$148,374
baseline
▲ 0.50% · 4.625%
HK$157,402
+HK$9,028/mo
Deposit HK$3.40M · loan HK$30.61M · min. income ≈ HK$296,748/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$1,445,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,325
−HK$8,391/mo
▼ 0.25% · 3.875%
HK$159,490
−HK$4,226/mo
Today · 4.125%
HK$163,716
baseline
▲ 0.50% · 4.625%
HK$172,346
+HK$8,630/mo
Deposit HK$3.40M · loan HK$30.61M · min. income ≈ HK$327,432/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$1,445,695 · Scale 2, in force from 26 Feb 2026)