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$77,682
−HK$4,871/mo
▼ 0.25% · 3.875%
HK$80,098
−HK$2,455/mo
Today · 4.125%
HK$82,553
baseline
▲ 0.50% · 4.625%
HK$87,577
+HK$5,024/mo
Deposit HK$17.03M · loan HK$17.03M · min. income ≈ HK$165,106/mo (50% DSR)
Upfront cash ≈ HK$18.48M (deposit + AVD stamp duty HK$1,447,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,421
−HK$4,669/mo
▼ 0.25% · 3.875%
HK$88,738
−HK$2,352/mo
Today · 4.125%
HK$91,090
baseline
▲ 0.50% · 4.625%
HK$95,891
+HK$4,801/mo
Deposit HK$17.03M · loan HK$17.03M · min. income ≈ HK$182,180/mo (50% DSR)
Upfront cash ≈ HK$18.48M (deposit + AVD stamp duty HK$1,447,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,218
−HK$5,846/mo
▼ 0.25% · 3.875%
HK$96,118
−HK$2,946/mo
Today · 4.125%
HK$99,064
baseline
▲ 0.50% · 4.625%
HK$105,092
+HK$6,028/mo
Deposit HK$13.63M · loan HK$20.44M · min. income ≈ HK$198,128/mo (50% DSR)
Upfront cash ≈ HK$15.07M (deposit + AVD stamp duty HK$1,447,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,705
−HK$5,602/mo
▼ 0.25% · 3.875%
HK$106,486
−HK$2,821/mo
Today · 4.125%
HK$109,307
baseline
▲ 0.50% · 4.625%
HK$115,069
+HK$5,762/mo
Deposit HK$13.63M · loan HK$20.44M · min. income ≈ HK$218,614/mo (50% DSR)
Upfront cash ≈ HK$15.07M (deposit + AVD stamp duty HK$1,447,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,755
−HK$6,820/mo
▼ 0.25% · 3.875%
HK$112,138
−HK$3,437/mo
Today · 4.125%
HK$115,575
baseline
▲ 0.50% · 4.625%
HK$122,607
+HK$7,032/mo
Deposit HK$10.22M · loan HK$23.85M · min. income ≈ HK$231,150/mo (50% DSR)
Upfront cash ≈ HK$11.67M (deposit + AVD stamp duty HK$1,447,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,989
−HK$6,536/mo
▼ 0.25% · 3.875%
HK$124,234
−HK$3,291/mo
Today · 4.125%
HK$127,525
baseline
▲ 0.50% · 4.625%
HK$134,247
+HK$6,722/mo
Deposit HK$10.22M · loan HK$23.85M · min. income ≈ HK$255,050/mo (50% DSR)
Upfront cash ≈ HK$11.67M (deposit + AVD stamp duty HK$1,447,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,828
−HK$8,768/mo
▼ 0.25% · 3.875%
HK$144,177
−HK$4,419/mo
Today · 4.125%
HK$148,596
baseline
▲ 0.50% · 4.625%
HK$157,638
+HK$9,042/mo
Deposit HK$3.41M · loan HK$30.66M · min. income ≈ HK$297,192/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$1,447,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,557
−HK$8,404/mo
▼ 0.25% · 3.875%
HK$159,729
−HK$4,232/mo
Today · 4.125%
HK$163,961
baseline
▲ 0.50% · 4.625%
HK$172,604
+HK$8,643/mo
Deposit HK$3.41M · loan HK$30.66M · min. income ≈ HK$327,922/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$1,447,859 · Scale 2, in force from 26 Feb 2026)