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$77,673
−HK$4,871/mo
▼ 0.25% · 3.875%
HK$80,089
−HK$2,455/mo
Today · 4.125%
HK$82,544
baseline
▲ 0.50% · 4.625%
HK$87,567
+HK$5,023/mo
Deposit HK$17.03M · loan HK$17.03M · min. income ≈ HK$165,088/mo (50% DSR)
Upfront cash ≈ HK$18.48M (deposit + AVD stamp duty HK$1,447,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,411
−HK$4,668/mo
▼ 0.25% · 3.875%
HK$88,728
−HK$2,351/mo
Today · 4.125%
HK$91,079
baseline
▲ 0.50% · 4.625%
HK$95,880
+HK$4,801/mo
Deposit HK$17.03M · loan HK$17.03M · min. income ≈ HK$182,158/mo (50% DSR)
Upfront cash ≈ HK$18.48M (deposit + AVD stamp duty HK$1,447,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,208
−HK$5,845/mo
▼ 0.25% · 3.875%
HK$96,107
−HK$2,946/mo
Today · 4.125%
HK$99,053
baseline
▲ 0.50% · 4.625%
HK$105,080
+HK$6,027/mo
Deposit HK$13.63M · loan HK$20.44M · min. income ≈ HK$198,106/mo (50% DSR)
Upfront cash ≈ HK$15.07M (deposit + AVD stamp duty HK$1,447,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,693
−HK$5,602/mo
▼ 0.25% · 3.875%
HK$106,474
−HK$2,821/mo
Today · 4.125%
HK$109,295
baseline
▲ 0.50% · 4.625%
HK$115,056
+HK$5,761/mo
Deposit HK$13.63M · loan HK$20.44M · min. income ≈ HK$218,590/mo (50% DSR)
Upfront cash ≈ HK$15.07M (deposit + AVD stamp duty HK$1,447,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,743
−HK$6,819/mo
▼ 0.25% · 3.875%
HK$112,125
−HK$3,437/mo
Today · 4.125%
HK$115,562
baseline
▲ 0.50% · 4.625%
HK$122,593
+HK$7,031/mo
Deposit HK$10.22M · loan HK$23.84M · min. income ≈ HK$231,124/mo (50% DSR)
Upfront cash ≈ HK$11.67M (deposit + AVD stamp duty HK$1,447,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,975
−HK$6,536/mo
▼ 0.25% · 3.875%
HK$124,220
−HK$3,291/mo
Today · 4.125%
HK$127,511
baseline
▲ 0.50% · 4.625%
HK$134,232
+HK$6,721/mo
Deposit HK$10.22M · loan HK$23.84M · min. income ≈ HK$255,022/mo (50% DSR)
Upfront cash ≈ HK$11.67M (deposit + AVD stamp duty HK$1,447,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,812
−HK$8,767/mo
▼ 0.25% · 3.875%
HK$144,161
−HK$4,418/mo
Today · 4.125%
HK$148,579
baseline
▲ 0.50% · 4.625%
HK$157,620
+HK$9,041/mo
Deposit HK$3.41M · loan HK$30.66M · min. income ≈ HK$297,158/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$1,447,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,539
−HK$8,404/mo
▼ 0.25% · 3.875%
HK$159,711
−HK$4,232/mo
Today · 4.125%
HK$163,943
baseline
▲ 0.50% · 4.625%
HK$172,584
+HK$8,641/mo
Deposit HK$3.41M · loan HK$30.66M · min. income ≈ HK$327,886/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$1,447,695 · Scale 2, in force from 26 Feb 2026)