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$77,653
−HK$4,869/mo
▼ 0.25% · 3.875%
HK$80,068
−HK$2,454/mo
Today · 4.125%
HK$82,522
baseline
▲ 0.50% · 4.625%
HK$87,543
+HK$5,021/mo
Deposit HK$17.03M · loan HK$17.03M · min. income ≈ HK$165,044/mo (50% DSR)
Upfront cash ≈ HK$18.47M (deposit + AVD stamp duty HK$1,447,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,388
−HK$4,667/mo
▼ 0.25% · 3.875%
HK$88,705
−HK$2,350/mo
Today · 4.125%
HK$91,055
baseline
▲ 0.50% · 4.625%
HK$95,855
+HK$4,800/mo
Deposit HK$17.03M · loan HK$17.03M · min. income ≈ HK$182,110/mo (50% DSR)
Upfront cash ≈ HK$18.47M (deposit + AVD stamp duty HK$1,447,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,183
−HK$5,844/mo
▼ 0.25% · 3.875%
HK$96,082
−HK$2,945/mo
Today · 4.125%
HK$99,027
baseline
▲ 0.50% · 4.625%
HK$105,052
+HK$6,025/mo
Deposit HK$13.62M · loan HK$20.43M · min. income ≈ HK$198,054/mo (50% DSR)
Upfront cash ≈ HK$15.07M (deposit + AVD stamp duty HK$1,447,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,665
−HK$5,601/mo
▼ 0.25% · 3.875%
HK$106,446
−HK$2,820/mo
Today · 4.125%
HK$109,266
baseline
▲ 0.50% · 4.625%
HK$115,026
+HK$5,760/mo
Deposit HK$13.62M · loan HK$20.43M · min. income ≈ HK$218,532/mo (50% DSR)
Upfront cash ≈ HK$15.07M (deposit + AVD stamp duty HK$1,447,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,714
−HK$6,817/mo
▼ 0.25% · 3.875%
HK$112,095
−HK$3,436/mo
Today · 4.125%
HK$115,531
baseline
▲ 0.50% · 4.625%
HK$122,561
+HK$7,030/mo
Deposit HK$10.22M · loan HK$23.84M · min. income ≈ HK$231,062/mo (50% DSR)
Upfront cash ≈ HK$11.66M (deposit + AVD stamp duty HK$1,447,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,943
−HK$6,534/mo
▼ 0.25% · 3.875%
HK$124,187
−HK$3,290/mo
Today · 4.125%
HK$127,477
baseline
▲ 0.50% · 4.625%
HK$134,197
+HK$6,720/mo
Deposit HK$10.22M · loan HK$23.84M · min. income ≈ HK$254,954/mo (50% DSR)
Upfront cash ≈ HK$11.66M (deposit + AVD stamp duty HK$1,447,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,775
−HK$8,765/mo
▼ 0.25% · 3.875%
HK$144,123
−HK$4,417/mo
Today · 4.125%
HK$148,540
baseline
▲ 0.50% · 4.625%
HK$157,578
+HK$9,038/mo
Deposit HK$3.41M · loan HK$30.65M · min. income ≈ HK$297,080/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$1,447,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,498
−HK$8,401/mo
▼ 0.25% · 3.875%
HK$159,669
−HK$4,230/mo
Today · 4.125%
HK$163,899
baseline
▲ 0.50% · 4.625%
HK$172,539
+HK$8,640/mo
Deposit HK$3.41M · loan HK$30.65M · min. income ≈ HK$327,798/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$1,447,311 · Scale 2, in force from 26 Feb 2026)