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$4,865/mo
▼ 0.25% · 3.875%
HK$80,000
−HK$2,452/mo
Today · 4.125%
HK$82,452
baseline
▲ 0.50% · 4.625%
HK$87,469
+HK$5,017/mo
Deposit HK$17.01M · loan HK$17.01M · min. income ≈ HK$164,904/mo (50% DSR)
Upfront cash ≈ HK$18.46M (deposit + AVD stamp duty HK$1,446,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,314
−HK$4,664/mo
▼ 0.25% · 3.875%
HK$88,629
−HK$2,349/mo
Today · 4.125%
HK$90,978
baseline
▲ 0.50% · 4.625%
HK$95,773
+HK$4,795/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$1,446,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,104
−HK$5,838/mo
▼ 0.25% · 3.875%
HK$96,000
−HK$2,942/mo
Today · 4.125%
HK$98,942
baseline
▲ 0.50% · 4.625%
HK$104,963
+HK$6,021/mo
Deposit HK$13.61M · loan HK$20.42M · min. income ≈ HK$197,884/mo (50% DSR)
Upfront cash ≈ HK$15.06M (deposit + AVD stamp duty HK$1,446,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,577
−HK$5,596/mo
▼ 0.25% · 3.875%
HK$106,355
−HK$2,818/mo
Today · 4.125%
HK$109,173
baseline
▲ 0.50% · 4.625%
HK$114,928
+HK$5,755/mo
Deposit HK$13.61M · loan HK$20.42M · min. income ≈ HK$218,346/mo (50% DSR)
Upfront cash ≈ HK$15.06M (deposit + AVD stamp duty HK$1,446,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,621
−HK$6,812/mo
▼ 0.25% · 3.875%
HK$112,000
−HK$3,433/mo
Today · 4.125%
HK$115,433
baseline
▲ 0.50% · 4.625%
HK$122,457
+HK$7,024/mo
Deposit HK$10.21M · loan HK$23.82M · min. income ≈ HK$230,866/mo (50% DSR)
Upfront cash ≈ HK$11.65M (deposit + AVD stamp duty HK$1,446,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,840
−HK$6,529/mo
▼ 0.25% · 3.875%
HK$124,081
−HK$3,288/mo
Today · 4.125%
HK$127,369
baseline
▲ 0.50% · 4.625%
HK$134,082
+HK$6,713/mo
Deposit HK$10.21M · loan HK$23.82M · min. income ≈ HK$254,738/mo (50% DSR)
Upfront cash ≈ HK$11.65M (deposit + AVD stamp duty HK$1,446,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,656
−HK$8,758/mo
▼ 0.25% · 3.875%
HK$144,000
−HK$4,414/mo
Today · 4.125%
HK$148,414
baseline
▲ 0.50% · 4.625%
HK$157,444
+HK$9,030/mo
Deposit HK$3.40M · loan HK$30.62M · min. income ≈ HK$296,828/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$1,446,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,366
−HK$8,394/mo
▼ 0.25% · 3.875%
HK$159,533
−HK$4,227/mo
Today · 4.125%
HK$163,760
baseline
▲ 0.50% · 4.625%
HK$172,392
+HK$8,632/mo
Deposit HK$3.40M · loan HK$30.62M · min. income ≈ HK$327,520/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$1,446,079 · Scale 2, in force from 26 Feb 2026)