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$77,598
−HK$4,866/mo
▼ 0.25% · 3.875%
HK$80,012
−HK$2,452/mo
Today · 4.125%
HK$82,464
baseline
▲ 0.50% · 4.625%
HK$87,482
+HK$5,018/mo
Deposit HK$17.02M · loan HK$17.02M · min. income ≈ HK$164,928/mo (50% DSR)
Upfront cash ≈ HK$18.46M (deposit + AVD stamp duty HK$1,446,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,327
−HK$4,664/mo
▼ 0.25% · 3.875%
HK$88,642
−HK$2,349/mo
Today · 4.125%
HK$90,991
baseline
▲ 0.50% · 4.625%
HK$95,787
+HK$4,796/mo
Deposit HK$17.02M · loan HK$17.02M · min. income ≈ HK$181,982/mo (50% DSR)
Upfront cash ≈ HK$18.46M (deposit + AVD stamp duty HK$1,446,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,118
−HK$5,839/mo
▼ 0.25% · 3.875%
HK$96,014
−HK$2,943/mo
Today · 4.125%
HK$98,957
baseline
▲ 0.50% · 4.625%
HK$104,978
+HK$6,021/mo
Deposit HK$13.61M · loan HK$20.42M · min. income ≈ HK$197,914/mo (50% DSR)
Upfront cash ≈ HK$15.06M (deposit + AVD stamp duty HK$1,446,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,592
−HK$5,597/mo
▼ 0.25% · 3.875%
HK$106,371
−HK$2,818/mo
Today · 4.125%
HK$109,189
baseline
▲ 0.50% · 4.625%
HK$114,945
+HK$5,756/mo
Deposit HK$13.61M · loan HK$20.42M · min. income ≈ HK$218,378/mo (50% DSR)
Upfront cash ≈ HK$15.06M (deposit + AVD stamp duty HK$1,446,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,637
−HK$6,813/mo
▼ 0.25% · 3.875%
HK$112,016
−HK$3,434/mo
Today · 4.125%
HK$115,450
baseline
▲ 0.50% · 4.625%
HK$122,475
+HK$7,025/mo
Deposit HK$10.21M · loan HK$23.82M · min. income ≈ HK$230,900/mo (50% DSR)
Upfront cash ≈ HK$11.66M (deposit + AVD stamp duty HK$1,446,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,858
−HK$6,529/mo
▼ 0.25% · 3.875%
HK$124,099
−HK$3,288/mo
Today · 4.125%
HK$127,387
baseline
▲ 0.50% · 4.625%
HK$134,102
+HK$6,715/mo
Deposit HK$10.21M · loan HK$23.82M · min. income ≈ HK$254,774/mo (50% DSR)
Upfront cash ≈ HK$11.66M (deposit + AVD stamp duty HK$1,446,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,676
−HK$8,759/mo
▼ 0.25% · 3.875%
HK$144,021
−HK$4,414/mo
Today · 4.125%
HK$148,435
baseline
▲ 0.50% · 4.625%
HK$157,467
+HK$9,032/mo
Deposit HK$3.40M · loan HK$30.63M · min. income ≈ HK$296,870/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$1,446,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,389
−HK$8,395/mo
▼ 0.25% · 3.875%
HK$159,556
−HK$4,228/mo
Today · 4.125%
HK$163,784
baseline
▲ 0.50% · 4.625%
HK$172,417
+HK$8,633/mo
Deposit HK$3.40M · loan HK$30.63M · min. income ≈ HK$327,568/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$1,446,292 · Scale 2, in force from 26 Feb 2026)