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$77,641
−HK$4,869/mo
▼ 0.25% · 3.875%
HK$80,056
−HK$2,454/mo
Today · 4.125%
HK$82,510
baseline
▲ 0.50% · 4.625%
HK$87,530
+HK$5,020/mo
Deposit HK$17.02M · loan HK$17.02M · min. income ≈ HK$165,020/mo (50% DSR)
Upfront cash ≈ HK$18.47M (deposit + AVD stamp duty HK$1,447,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,375
−HK$4,666/mo
▼ 0.25% · 3.875%
HK$88,691
−HK$2,350/mo
Today · 4.125%
HK$91,041
baseline
▲ 0.50% · 4.625%
HK$95,840
+HK$4,799/mo
Deposit HK$17.02M · loan HK$17.02M · min. income ≈ HK$182,082/mo (50% DSR)
Upfront cash ≈ HK$18.47M (deposit + AVD stamp duty HK$1,447,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,169
−HK$5,842/mo
▼ 0.25% · 3.875%
HK$96,067
−HK$2,944/mo
Today · 4.125%
HK$99,011
baseline
▲ 0.50% · 4.625%
HK$105,036
+HK$6,025/mo
Deposit HK$13.62M · loan HK$20.43M · min. income ≈ HK$198,022/mo (50% DSR)
Upfront cash ≈ HK$15.07M (deposit + AVD stamp duty HK$1,447,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,650
−HK$5,599/mo
▼ 0.25% · 3.875%
HK$106,429
−HK$2,820/mo
Today · 4.125%
HK$109,249
baseline
▲ 0.50% · 4.625%
HK$115,008
+HK$5,759/mo
Deposit HK$13.62M · loan HK$20.43M · min. income ≈ HK$218,498/mo (50% DSR)
Upfront cash ≈ HK$15.07M (deposit + AVD stamp duty HK$1,447,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,697
−HK$6,816/mo
▼ 0.25% · 3.875%
HK$112,078
−HK$3,435/mo
Today · 4.125%
HK$115,513
baseline
▲ 0.50% · 4.625%
HK$122,542
+HK$7,029/mo
Deposit HK$10.21M · loan HK$23.83M · min. income ≈ HK$231,026/mo (50% DSR)
Upfront cash ≈ HK$11.66M (deposit + AVD stamp duty HK$1,447,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,924
−HK$6,534/mo
▼ 0.25% · 3.875%
HK$124,168
−HK$3,290/mo
Today · 4.125%
HK$127,458
baseline
▲ 0.50% · 4.625%
HK$134,176
+HK$6,718/mo
Deposit HK$10.21M · loan HK$23.83M · min. income ≈ HK$254,916/mo (50% DSR)
Upfront cash ≈ HK$11.66M (deposit + AVD stamp duty HK$1,447,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,753
−HK$8,764/mo
▼ 0.25% · 3.875%
HK$144,101
−HK$4,416/mo
Today · 4.125%
HK$148,517
baseline
▲ 0.50% · 4.625%
HK$157,554
+HK$9,037/mo
Deposit HK$3.40M · loan HK$30.64M · min. income ≈ HK$297,034/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$1,447,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,474
−HK$8,400/mo
▼ 0.25% · 3.875%
HK$159,644
−HK$4,230/mo
Today · 4.125%
HK$163,874
baseline
▲ 0.50% · 4.625%
HK$172,512
+HK$8,638/mo
Deposit HK$3.40M · loan HK$30.64M · min. income ≈ HK$327,748/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$1,447,089 · Scale 2, in force from 26 Feb 2026)