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$77,692
−HK$4,872/mo
▼ 0.25% · 3.875%
HK$80,108
−HK$2,456/mo
Today · 4.125%
HK$82,564
baseline
▲ 0.50% · 4.625%
HK$87,588
+HK$5,024/mo
Deposit HK$17.04M · loan HK$17.04M · min. income ≈ HK$165,128/mo (50% DSR)
Upfront cash ≈ HK$18.48M (deposit + AVD stamp duty HK$1,448,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,431
−HK$4,670/mo
▼ 0.25% · 3.875%
HK$88,749
−HK$2,352/mo
Today · 4.125%
HK$91,101
baseline
▲ 0.50% · 4.625%
HK$95,903
+HK$4,802/mo
Deposit HK$17.04M · loan HK$17.04M · min. income ≈ HK$182,202/mo (50% DSR)
Upfront cash ≈ HK$18.48M (deposit + AVD stamp duty HK$1,448,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,230
−HK$5,847/mo
▼ 0.25% · 3.875%
HK$96,130
−HK$2,947/mo
Today · 4.125%
HK$99,077
baseline
▲ 0.50% · 4.625%
HK$105,105
+HK$6,028/mo
Deposit HK$13.63M · loan HK$20.44M · min. income ≈ HK$198,154/mo (50% DSR)
Upfront cash ≈ HK$15.08M (deposit + AVD stamp duty HK$1,448,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,718
−HK$5,603/mo
▼ 0.25% · 3.875%
HK$106,499
−HK$2,822/mo
Today · 4.125%
HK$109,321
baseline
▲ 0.50% · 4.625%
HK$115,084
+HK$5,763/mo
Deposit HK$13.63M · loan HK$20.44M · min. income ≈ HK$218,642/mo (50% DSR)
Upfront cash ≈ HK$15.08M (deposit + AVD stamp duty HK$1,448,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,769
−HK$6,820/mo
▼ 0.25% · 3.875%
HK$112,152
−HK$3,437/mo
Today · 4.125%
HK$115,589
baseline
▲ 0.50% · 4.625%
HK$122,623
+HK$7,034/mo
Deposit HK$10.22M · loan HK$23.85M · min. income ≈ HK$231,178/mo (50% DSR)
Upfront cash ≈ HK$11.67M (deposit + AVD stamp duty HK$1,448,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,004
−HK$6,537/mo
▼ 0.25% · 3.875%
HK$124,249
−HK$3,292/mo
Today · 4.125%
HK$127,541
baseline
▲ 0.50% · 4.625%
HK$134,264
+HK$6,723/mo
Deposit HK$10.22M · loan HK$23.85M · min. income ≈ HK$255,082/mo (50% DSR)
Upfront cash ≈ HK$11.67M (deposit + AVD stamp duty HK$1,448,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,845
−HK$8,770/mo
▼ 0.25% · 3.875%
HK$144,195
−HK$4,420/mo
Today · 4.125%
HK$148,615
baseline
▲ 0.50% · 4.625%
HK$157,658
+HK$9,043/mo
Deposit HK$3.41M · loan HK$30.66M · min. income ≈ HK$297,230/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$1,448,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,576
−HK$8,406/mo
▼ 0.25% · 3.875%
HK$159,749
−HK$4,233/mo
Today · 4.125%
HK$163,982
baseline
▲ 0.50% · 4.625%
HK$172,625
+HK$8,643/mo
Deposit HK$3.41M · loan HK$30.66M · min. income ≈ HK$327,964/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$1,448,040 · Scale 2, in force from 26 Feb 2026)