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$77,621
−HK$4,867/mo
▼ 0.25% · 3.875%
HK$80,035
−HK$2,453/mo
Today · 4.125%
HK$82,488
baseline
▲ 0.50% · 4.625%
HK$87,507
+HK$5,019/mo
Deposit HK$17.02M · loan HK$17.02M · min. income ≈ HK$164,976/mo (50% DSR)
Upfront cash ≈ HK$18.47M (deposit + AVD stamp duty HK$1,446,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,352
−HK$4,665/mo
▼ 0.25% · 3.875%
HK$88,668
−HK$2,349/mo
Today · 4.125%
HK$91,017
baseline
▲ 0.50% · 4.625%
HK$95,815
+HK$4,798/mo
Deposit HK$17.02M · loan HK$17.02M · min. income ≈ HK$182,034/mo (50% DSR)
Upfront cash ≈ HK$18.47M (deposit + AVD stamp duty HK$1,446,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,145
−HK$5,841/mo
▼ 0.25% · 3.875%
HK$96,042
−HK$2,944/mo
Today · 4.125%
HK$98,986
baseline
▲ 0.50% · 4.625%
HK$105,009
+HK$6,023/mo
Deposit HK$13.62M · loan HK$20.42M · min. income ≈ HK$197,972/mo (50% DSR)
Upfront cash ≈ HK$15.06M (deposit + AVD stamp duty HK$1,446,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,623
−HK$5,598/mo
▼ 0.25% · 3.875%
HK$106,402
−HK$2,819/mo
Today · 4.125%
HK$109,221
baseline
▲ 0.50% · 4.625%
HK$114,978
+HK$5,757/mo
Deposit HK$13.62M · loan HK$20.42M · min. income ≈ HK$218,442/mo (50% DSR)
Upfront cash ≈ HK$15.06M (deposit + AVD stamp duty HK$1,446,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,669
−HK$6,814/mo
▼ 0.25% · 3.875%
HK$112,049
−HK$3,434/mo
Today · 4.125%
HK$115,483
baseline
▲ 0.50% · 4.625%
HK$122,510
+HK$7,027/mo
Deposit HK$10.21M · loan HK$23.83M · min. income ≈ HK$230,966/mo (50% DSR)
Upfront cash ≈ HK$11.66M (deposit + AVD stamp duty HK$1,446,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,893
−HK$6,531/mo
▼ 0.25% · 3.875%
HK$124,135
−HK$3,289/mo
Today · 4.125%
HK$127,424
baseline
▲ 0.50% · 4.625%
HK$134,141
+HK$6,717/mo
Deposit HK$10.21M · loan HK$23.83M · min. income ≈ HK$254,848/mo (50% DSR)
Upfront cash ≈ HK$11.66M (deposit + AVD stamp duty HK$1,446,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,717
−HK$8,762/mo
▼ 0.25% · 3.875%
HK$144,063
−HK$4,416/mo
Today · 4.125%
HK$148,479
baseline
▲ 0.50% · 4.625%
HK$157,513
+HK$9,034/mo
Deposit HK$3.40M · loan HK$30.64M · min. income ≈ HK$296,958/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$1,446,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,434
−HK$8,397/mo
▼ 0.25% · 3.875%
HK$159,603
−HK$4,228/mo
Today · 4.125%
HK$163,831
baseline
▲ 0.50% · 4.625%
HK$172,467
+HK$8,636/mo
Deposit HK$3.40M · loan HK$30.64M · min. income ≈ HK$327,662/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$1,446,713 · Scale 2, in force from 26 Feb 2026)