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$77,723
−HK$4,874/mo
▼ 0.25% · 3.875%
HK$80,140
−HK$2,457/mo
Today · 4.125%
HK$82,597
baseline
▲ 0.50% · 4.625%
HK$87,622
+HK$5,025/mo
Deposit HK$17.04M · loan HK$17.04M · min. income ≈ HK$165,194/mo (50% DSR)
Upfront cash ≈ HK$18.49M (deposit + AVD stamp duty HK$1,448,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,466
−HK$4,671/mo
▼ 0.25% · 3.875%
HK$88,785
−HK$2,352/mo
Today · 4.125%
HK$91,137
baseline
▲ 0.50% · 4.625%
HK$95,941
+HK$4,804/mo
Deposit HK$17.04M · loan HK$17.04M · min. income ≈ HK$182,274/mo (50% DSR)
Upfront cash ≈ HK$18.49M (deposit + AVD stamp duty HK$1,448,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,267
−HK$5,849/mo
▼ 0.25% · 3.875%
HK$96,168
−HK$2,948/mo
Today · 4.125%
HK$99,116
baseline
▲ 0.50% · 4.625%
HK$105,147
+HK$6,031/mo
Deposit HK$13.63M · loan HK$20.45M · min. income ≈ HK$198,232/mo (50% DSR)
Upfront cash ≈ HK$15.08M (deposit + AVD stamp duty HK$1,448,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,759
−HK$5,606/mo
▼ 0.25% · 3.875%
HK$106,542
−HK$2,823/mo
Today · 4.125%
HK$109,365
baseline
▲ 0.50% · 4.625%
HK$115,129
+HK$5,764/mo
Deposit HK$13.63M · loan HK$20.45M · min. income ≈ HK$218,730/mo (50% DSR)
Upfront cash ≈ HK$15.08M (deposit + AVD stamp duty HK$1,448,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,812
−HK$6,823/mo
▼ 0.25% · 3.875%
HK$112,196
−HK$3,439/mo
Today · 4.125%
HK$115,635
baseline
▲ 0.50% · 4.625%
HK$122,671
+HK$7,036/mo
Deposit HK$10.23M · loan HK$23.86M · min. income ≈ HK$231,270/mo (50% DSR)
Upfront cash ≈ HK$11.67M (deposit + AVD stamp duty HK$1,448,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,052
−HK$6,540/mo
▼ 0.25% · 3.875%
HK$124,298
−HK$3,294/mo
Today · 4.125%
HK$127,592
baseline
▲ 0.50% · 4.625%
HK$134,317
+HK$6,725/mo
Deposit HK$10.23M · loan HK$23.86M · min. income ≈ HK$255,184/mo (50% DSR)
Upfront cash ≈ HK$11.67M (deposit + AVD stamp duty HK$1,448,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,901
−HK$8,773/mo
▼ 0.25% · 3.875%
HK$144,252
−HK$4,422/mo
Today · 4.125%
HK$148,674
baseline
▲ 0.50% · 4.625%
HK$157,720
+HK$9,046/mo
Deposit HK$3.41M · loan HK$30.68M · min. income ≈ HK$297,348/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$1,448,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,638
−HK$8,409/mo
▼ 0.25% · 3.875%
HK$159,812
−HK$4,235/mo
Today · 4.125%
HK$164,047
baseline
▲ 0.50% · 4.625%
HK$172,694
+HK$8,647/mo
Deposit HK$3.41M · loan HK$30.68M · min. income ≈ HK$328,094/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$1,448,614 · Scale 2, in force from 26 Feb 2026)