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$77,646
−HK$4,870/mo
▼ 0.25% · 3.875%
HK$80,062
−HK$2,454/mo
Today · 4.125%
HK$82,516
baseline
▲ 0.50% · 4.625%
HK$87,536
+HK$5,020/mo
Deposit HK$17.03M · loan HK$17.03M · min. income ≈ HK$165,032/mo (50% DSR)
Upfront cash ≈ HK$18.47M (deposit + AVD stamp duty HK$1,447,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,381
−HK$4,667/mo
▼ 0.25% · 3.875%
HK$88,698
−HK$2,350/mo
Today · 4.125%
HK$91,048
baseline
▲ 0.50% · 4.625%
HK$95,847
+HK$4,799/mo
Deposit HK$17.03M · loan HK$17.03M · min. income ≈ HK$182,096/mo (50% DSR)
Upfront cash ≈ HK$18.47M (deposit + AVD stamp duty HK$1,447,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,176
−HK$5,843/mo
▼ 0.25% · 3.875%
HK$96,074
−HK$2,945/mo
Today · 4.125%
HK$99,019
baseline
▲ 0.50% · 4.625%
HK$105,044
+HK$6,025/mo
Deposit HK$13.62M · loan HK$20.43M · min. income ≈ HK$198,038/mo (50% DSR)
Upfront cash ≈ HK$15.07M (deposit + AVD stamp duty HK$1,447,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,657
−HK$5,600/mo
▼ 0.25% · 3.875%
HK$106,437
−HK$2,820/mo
Today · 4.125%
HK$109,257
baseline
▲ 0.50% · 4.625%
HK$115,016
+HK$5,759/mo
Deposit HK$13.62M · loan HK$20.43M · min. income ≈ HK$218,514/mo (50% DSR)
Upfront cash ≈ HK$15.07M (deposit + AVD stamp duty HK$1,447,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,705
−HK$6,817/mo
▼ 0.25% · 3.875%
HK$112,086
−HK$3,436/mo
Today · 4.125%
HK$115,522
baseline
▲ 0.50% · 4.625%
HK$122,551
+HK$7,029/mo
Deposit HK$10.22M · loan HK$23.84M · min. income ≈ HK$231,044/mo (50% DSR)
Upfront cash ≈ HK$11.66M (deposit + AVD stamp duty HK$1,447,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,933
−HK$6,534/mo
▼ 0.25% · 3.875%
HK$124,177
−HK$3,290/mo
Today · 4.125%
HK$127,467
baseline
▲ 0.50% · 4.625%
HK$134,186
+HK$6,719/mo
Deposit HK$10.22M · loan HK$23.84M · min. income ≈ HK$254,934/mo (50% DSR)
Upfront cash ≈ HK$11.66M (deposit + AVD stamp duty HK$1,447,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,764
−HK$8,764/mo
▼ 0.25% · 3.875%
HK$144,111
−HK$4,417/mo
Today · 4.125%
HK$148,528
baseline
▲ 0.50% · 4.625%
HK$157,566
+HK$9,038/mo
Deposit HK$3.41M · loan HK$30.65M · min. income ≈ HK$297,056/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$1,447,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,486
−HK$8,400/mo
▼ 0.25% · 3.875%
HK$159,656
−HK$4,230/mo
Today · 4.125%
HK$163,886
baseline
▲ 0.50% · 4.625%
HK$172,525
+HK$8,639/mo
Deposit HK$3.41M · loan HK$30.65M · min. income ≈ HK$327,772/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$1,447,194 · Scale 2, in force from 26 Feb 2026)