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$77,608
−HK$4,867/mo
▼ 0.25% · 3.875%
HK$80,022
−HK$2,453/mo
Today · 4.125%
HK$82,475
baseline
▲ 0.50% · 4.625%
HK$87,493
+HK$5,018/mo
Deposit HK$17.02M · loan HK$17.02M · min. income ≈ HK$164,950/mo (50% DSR)
Upfront cash ≈ HK$18.46M (deposit + AVD stamp duty HK$1,446,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,338
−HK$4,665/mo
▼ 0.25% · 3.875%
HK$88,654
−HK$2,349/mo
Today · 4.125%
HK$91,003
baseline
▲ 0.50% · 4.625%
HK$95,800
+HK$4,797/mo
Deposit HK$17.02M · loan HK$17.02M · min. income ≈ HK$182,006/mo (50% DSR)
Upfront cash ≈ HK$18.46M (deposit + AVD stamp duty HK$1,446,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,130
−HK$5,840/mo
▼ 0.25% · 3.875%
HK$96,027
−HK$2,943/mo
Today · 4.125%
HK$98,970
baseline
▲ 0.50% · 4.625%
HK$104,992
+HK$6,022/mo
Deposit HK$13.61M · loan HK$20.42M · min. income ≈ HK$197,940/mo (50% DSR)
Upfront cash ≈ HK$15.06M (deposit + AVD stamp duty HK$1,446,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,606
−HK$5,598/mo
▼ 0.25% · 3.875%
HK$106,385
−HK$2,819/mo
Today · 4.125%
HK$109,204
baseline
▲ 0.50% · 4.625%
HK$114,960
+HK$5,756/mo
Deposit HK$13.61M · loan HK$20.42M · min. income ≈ HK$218,408/mo (50% DSR)
Upfront cash ≈ HK$15.06M (deposit + AVD stamp duty HK$1,446,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,652
−HK$6,813/mo
▼ 0.25% · 3.875%
HK$112,031
−HK$3,434/mo
Today · 4.125%
HK$115,465
baseline
▲ 0.50% · 4.625%
HK$122,491
+HK$7,026/mo
Deposit HK$10.21M · loan HK$23.82M · min. income ≈ HK$230,930/mo (50% DSR)
Upfront cash ≈ HK$11.66M (deposit + AVD stamp duty HK$1,446,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,874
−HK$6,530/mo
▼ 0.25% · 3.875%
HK$124,116
−HK$3,288/mo
Today · 4.125%
HK$127,404
baseline
▲ 0.50% · 4.625%
HK$134,120
+HK$6,716/mo
Deposit HK$10.21M · loan HK$23.82M · min. income ≈ HK$254,808/mo (50% DSR)
Upfront cash ≈ HK$11.66M (deposit + AVD stamp duty HK$1,446,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,695
−HK$8,760/mo
▼ 0.25% · 3.875%
HK$144,040
−HK$4,415/mo
Today · 4.125%
HK$148,455
baseline
▲ 0.50% · 4.625%
HK$157,488
+HK$9,033/mo
Deposit HK$3.40M · loan HK$30.63M · min. income ≈ HK$296,910/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$1,446,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,409
−HK$8,396/mo
▼ 0.25% · 3.875%
HK$159,577
−HK$4,228/mo
Today · 4.125%
HK$163,805
baseline
▲ 0.50% · 4.625%
HK$172,440
+HK$8,635/mo
Deposit HK$3.40M · loan HK$30.63M · min. income ≈ HK$327,610/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$1,446,483 · Scale 2, in force from 26 Feb 2026)