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$77,669
−HK$4,871/mo
▼ 0.25% · 3.875%
HK$80,085
−HK$2,455/mo
Today · 4.125%
HK$82,540
baseline
▲ 0.50% · 4.625%
HK$87,562
+HK$5,022/mo
Deposit HK$17.03M · loan HK$17.03M · min. income ≈ HK$165,080/mo (50% DSR)
Upfront cash ≈ HK$18.48M (deposit + AVD stamp duty HK$1,447,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,406
−HK$4,669/mo
▼ 0.25% · 3.875%
HK$88,724
−HK$2,351/mo
Today · 4.125%
HK$91,075
baseline
▲ 0.50% · 4.625%
HK$95,875
+HK$4,800/mo
Deposit HK$17.03M · loan HK$17.03M · min. income ≈ HK$182,150/mo (50% DSR)
Upfront cash ≈ HK$18.48M (deposit + AVD stamp duty HK$1,447,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,203
−HK$5,845/mo
▼ 0.25% · 3.875%
HK$96,102
−HK$2,946/mo
Today · 4.125%
HK$99,048
baseline
▲ 0.50% · 4.625%
HK$105,075
+HK$6,027/mo
Deposit HK$13.62M · loan HK$20.44M · min. income ≈ HK$198,096/mo (50% DSR)
Upfront cash ≈ HK$15.07M (deposit + AVD stamp duty HK$1,447,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,688
−HK$5,602/mo
▼ 0.25% · 3.875%
HK$106,468
−HK$2,822/mo
Today · 4.125%
HK$109,290
baseline
▲ 0.50% · 4.625%
HK$115,050
+HK$5,760/mo
Deposit HK$13.62M · loan HK$20.44M · min. income ≈ HK$218,580/mo (50% DSR)
Upfront cash ≈ HK$15.07M (deposit + AVD stamp duty HK$1,447,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,737
−HK$6,819/mo
▼ 0.25% · 3.875%
HK$112,119
−HK$3,437/mo
Today · 4.125%
HK$115,556
baseline
▲ 0.50% · 4.625%
HK$122,587
+HK$7,031/mo
Deposit HK$10.22M · loan HK$23.84M · min. income ≈ HK$231,112/mo (50% DSR)
Upfront cash ≈ HK$11.67M (deposit + AVD stamp duty HK$1,447,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,969
−HK$6,535/mo
▼ 0.25% · 3.875%
HK$124,213
−HK$3,291/mo
Today · 4.125%
HK$127,504
baseline
▲ 0.50% · 4.625%
HK$134,225
+HK$6,721/mo
Deposit HK$10.22M · loan HK$23.84M · min. income ≈ HK$255,008/mo (50% DSR)
Upfront cash ≈ HK$11.67M (deposit + AVD stamp duty HK$1,447,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,805
−HK$8,767/mo
▼ 0.25% · 3.875%
HK$144,154
−HK$4,418/mo
Today · 4.125%
HK$148,572
baseline
▲ 0.50% · 4.625%
HK$157,612
+HK$9,040/mo
Deposit HK$3.41M · loan HK$30.66M · min. income ≈ HK$297,144/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$1,447,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,531
−HK$8,403/mo
▼ 0.25% · 3.875%
HK$159,703
−HK$4,231/mo
Today · 4.125%
HK$163,934
baseline
▲ 0.50% · 4.625%
HK$172,576
+HK$8,642/mo
Deposit HK$3.41M · loan HK$30.66M · min. income ≈ HK$327,868/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$1,447,622 · Scale 2, in force from 26 Feb 2026)