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$77,587
−HK$4,866/mo
▼ 0.25% · 3.875%
HK$80,001
−HK$2,452/mo
Today · 4.125%
HK$82,453
baseline
▲ 0.50% · 4.625%
HK$87,470
+HK$5,017/mo
Deposit HK$17.01M · loan HK$17.01M · min. income ≈ HK$164,906/mo (50% DSR)
Upfront cash ≈ HK$18.46M (deposit + AVD stamp duty HK$1,446,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,315
−HK$4,663/mo
▼ 0.25% · 3.875%
HK$88,630
−HK$2,348/mo
Today · 4.125%
HK$90,978
baseline
▲ 0.50% · 4.625%
HK$95,774
+HK$4,796/mo
Deposit HK$17.01M · loan HK$17.01M · min. income ≈ HK$181,956/mo (50% DSR)
Upfront cash ≈ HK$18.46M (deposit + AVD stamp duty HK$1,446,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,105
−HK$5,838/mo
▼ 0.25% · 3.875%
HK$96,001
−HK$2,942/mo
Today · 4.125%
HK$98,943
baseline
▲ 0.50% · 4.625%
HK$104,964
+HK$6,021/mo
Deposit HK$13.61M · loan HK$20.42M · min. income ≈ HK$197,886/mo (50% DSR)
Upfront cash ≈ HK$15.06M (deposit + AVD stamp duty HK$1,446,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,578
−HK$5,596/mo
▼ 0.25% · 3.875%
HK$106,356
−HK$2,818/mo
Today · 4.125%
HK$109,174
baseline
▲ 0.50% · 4.625%
HK$114,929
+HK$5,755/mo
Deposit HK$13.61M · loan HK$20.42M · min. income ≈ HK$218,348/mo (50% DSR)
Upfront cash ≈ HK$15.06M (deposit + AVD stamp duty HK$1,446,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,622
−HK$6,812/mo
▼ 0.25% · 3.875%
HK$112,001
−HK$3,433/mo
Today · 4.125%
HK$115,434
baseline
▲ 0.50% · 4.625%
HK$122,458
+HK$7,024/mo
Deposit HK$10.21M · loan HK$23.82M · min. income ≈ HK$230,868/mo (50% DSR)
Upfront cash ≈ HK$11.65M (deposit + AVD stamp duty HK$1,446,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,841
−HK$6,529/mo
▼ 0.25% · 3.875%
HK$124,082
−HK$3,288/mo
Today · 4.125%
HK$127,370
baseline
▲ 0.50% · 4.625%
HK$134,084
+HK$6,714/mo
Deposit HK$10.21M · loan HK$23.82M · min. income ≈ HK$254,740/mo (50% DSR)
Upfront cash ≈ HK$11.65M (deposit + AVD stamp duty HK$1,446,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,657
−HK$8,758/mo
▼ 0.25% · 3.875%
HK$144,001
−HK$4,414/mo
Today · 4.125%
HK$148,415
baseline
▲ 0.50% · 4.625%
HK$157,446
+HK$9,031/mo
Deposit HK$3.40M · loan HK$30.62M · min. income ≈ HK$296,830/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$1,446,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,367
−HK$8,394/mo
▼ 0.25% · 3.875%
HK$159,534
−HK$4,227/mo
Today · 4.125%
HK$163,761
baseline
▲ 0.50% · 4.625%
HK$172,393
+HK$8,632/mo
Deposit HK$3.40M · loan HK$30.62M · min. income ≈ HK$327,522/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$1,446,092 · Scale 2, in force from 26 Feb 2026)