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$77,574
−HK$4,865/mo
▼ 0.25% · 3.875%
HK$79,987
−HK$2,452/mo
Today · 4.125%
HK$82,439
baseline
▲ 0.50% · 4.625%
HK$87,455
+HK$5,016/mo
Deposit HK$17.01M · loan HK$17.01M · min. income ≈ HK$164,878/mo (50% DSR)
Upfront cash ≈ HK$18.46M (deposit + AVD stamp duty HK$1,445,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,301
−HK$4,662/mo
▼ 0.25% · 3.875%
HK$88,615
−HK$2,348/mo
Today · 4.125%
HK$90,963
baseline
▲ 0.50% · 4.625%
HK$95,758
+HK$4,795/mo
Deposit HK$17.01M · loan HK$17.01M · min. income ≈ HK$181,926/mo (50% DSR)
Upfront cash ≈ HK$18.46M (deposit + AVD stamp duty HK$1,445,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,089
−HK$5,838/mo
▼ 0.25% · 3.875%
HK$95,985
−HK$2,942/mo
Today · 4.125%
HK$98,927
baseline
▲ 0.50% · 4.625%
HK$104,946
+HK$6,019/mo
Deposit HK$13.61M · loan HK$20.41M · min. income ≈ HK$197,854/mo (50% DSR)
Upfront cash ≈ HK$15.05M (deposit + AVD stamp duty HK$1,445,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,561
−HK$5,595/mo
▼ 0.25% · 3.875%
HK$106,338
−HK$2,818/mo
Today · 4.125%
HK$109,156
baseline
▲ 0.50% · 4.625%
HK$114,909
+HK$5,753/mo
Deposit HK$13.61M · loan HK$20.41M · min. income ≈ HK$218,312/mo (50% DSR)
Upfront cash ≈ HK$15.05M (deposit + AVD stamp duty HK$1,445,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,604
−HK$6,810/mo
▼ 0.25% · 3.875%
HK$111,982
−HK$3,432/mo
Today · 4.125%
HK$115,414
baseline
▲ 0.50% · 4.625%
HK$122,437
+HK$7,023/mo
Deposit HK$10.21M · loan HK$23.81M · min. income ≈ HK$230,828/mo (50% DSR)
Upfront cash ≈ HK$11.65M (deposit + AVD stamp duty HK$1,445,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,821
−HK$6,527/mo
▼ 0.25% · 3.875%
HK$124,061
−HK$3,287/mo
Today · 4.125%
HK$127,348
baseline
▲ 0.50% · 4.625%
HK$134,061
+HK$6,713/mo
Deposit HK$10.21M · loan HK$23.81M · min. income ≈ HK$254,696/mo (50% DSR)
Upfront cash ≈ HK$11.65M (deposit + AVD stamp duty HK$1,445,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,634
−HK$8,756/mo
▼ 0.25% · 3.875%
HK$143,977
−HK$4,413/mo
Today · 4.125%
HK$148,390
baseline
▲ 0.50% · 4.625%
HK$157,419
+HK$9,029/mo
Deposit HK$3.40M · loan HK$30.62M · min. income ≈ HK$296,780/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$1,445,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,341
−HK$8,393/mo
▼ 0.25% · 3.875%
HK$159,507
−HK$4,227/mo
Today · 4.125%
HK$163,734
baseline
▲ 0.50% · 4.625%
HK$172,364
+HK$8,630/mo
Deposit HK$3.40M · loan HK$30.62M · min. income ≈ HK$327,468/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$1,445,849 · Scale 2, in force from 26 Feb 2026)