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$77,592
−HK$4,866/mo
▼ 0.25% · 3.875%
HK$80,006
−HK$2,452/mo
Today · 4.125%
HK$82,458
baseline
▲ 0.50% · 4.625%
HK$87,475
+HK$5,017/mo
Deposit HK$17.01M · loan HK$17.01M · min. income ≈ HK$164,916/mo (50% DSR)
Upfront cash ≈ HK$18.46M (deposit + AVD stamp duty HK$1,446,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,320
−HK$4,664/mo
▼ 0.25% · 3.875%
HK$88,636
−HK$2,348/mo
Today · 4.125%
HK$90,984
baseline
▲ 0.50% · 4.625%
HK$95,780
+HK$4,796/mo
Deposit HK$17.01M · loan HK$17.01M · min. income ≈ HK$181,968/mo (50% DSR)
Upfront cash ≈ HK$18.46M (deposit + AVD stamp duty HK$1,446,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,111
−HK$5,838/mo
▼ 0.25% · 3.875%
HK$96,007
−HK$2,942/mo
Today · 4.125%
HK$98,949
baseline
▲ 0.50% · 4.625%
HK$104,970
+HK$6,021/mo
Deposit HK$13.61M · loan HK$20.42M · min. income ≈ HK$197,898/mo (50% DSR)
Upfront cash ≈ HK$15.06M (deposit + AVD stamp duty HK$1,446,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,585
−HK$5,596/mo
▼ 0.25% · 3.875%
HK$106,363
−HK$2,818/mo
Today · 4.125%
HK$109,181
baseline
▲ 0.50% · 4.625%
HK$114,936
+HK$5,755/mo
Deposit HK$13.61M · loan HK$20.42M · min. income ≈ HK$218,362/mo (50% DSR)
Upfront cash ≈ HK$15.06M (deposit + AVD stamp duty HK$1,446,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,629
−HK$6,812/mo
▼ 0.25% · 3.875%
HK$112,008
−HK$3,433/mo
Today · 4.125%
HK$115,441
baseline
▲ 0.50% · 4.625%
HK$122,465
+HK$7,024/mo
Deposit HK$10.21M · loan HK$23.82M · min. income ≈ HK$230,882/mo (50% DSR)
Upfront cash ≈ HK$11.65M (deposit + AVD stamp duty HK$1,446,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,849
−HK$6,529/mo
▼ 0.25% · 3.875%
HK$124,090
−HK$3,288/mo
Today · 4.125%
HK$127,378
baseline
▲ 0.50% · 4.625%
HK$134,092
+HK$6,714/mo
Deposit HK$10.21M · loan HK$23.82M · min. income ≈ HK$254,756/mo (50% DSR)
Upfront cash ≈ HK$11.65M (deposit + AVD stamp duty HK$1,446,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,666
−HK$8,758/mo
▼ 0.25% · 3.875%
HK$144,010
−HK$4,414/mo
Today · 4.125%
HK$148,424
baseline
▲ 0.50% · 4.625%
HK$157,455
+HK$9,031/mo
Deposit HK$3.40M · loan HK$30.63M · min. income ≈ HK$296,848/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$1,446,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,377
−HK$8,394/mo
▼ 0.25% · 3.875%
HK$159,544
−HK$4,227/mo
Today · 4.125%
HK$163,771
baseline
▲ 0.50% · 4.625%
HK$172,404
+HK$8,633/mo
Deposit HK$3.40M · loan HK$30.63M · min. income ≈ HK$327,542/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$1,446,182 · Scale 2, in force from 26 Feb 2026)