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$77,665
−HK$4,870/mo
▼ 0.25% · 3.875%
HK$80,080
−HK$2,455/mo
Today · 4.125%
HK$82,535
baseline
▲ 0.50% · 4.625%
HK$87,557
+HK$5,022/mo
Deposit HK$17.03M · loan HK$17.03M · min. income ≈ HK$165,070/mo (50% DSR)
Upfront cash ≈ HK$18.48M (deposit + AVD stamp duty HK$1,447,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,401
−HK$4,668/mo
▼ 0.25% · 3.875%
HK$88,718
−HK$2,351/mo
Today · 4.125%
HK$91,069
baseline
▲ 0.50% · 4.625%
HK$95,869
+HK$4,800/mo
Deposit HK$17.03M · loan HK$17.03M · min. income ≈ HK$182,138/mo (50% DSR)
Upfront cash ≈ HK$18.48M (deposit + AVD stamp duty HK$1,447,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,198
−HK$5,844/mo
▼ 0.25% · 3.875%
HK$96,097
−HK$2,945/mo
Today · 4.125%
HK$99,042
baseline
▲ 0.50% · 4.625%
HK$105,068
+HK$6,026/mo
Deposit HK$13.62M · loan HK$20.44M · min. income ≈ HK$198,084/mo (50% DSR)
Upfront cash ≈ HK$15.07M (deposit + AVD stamp duty HK$1,447,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,681
−HK$5,602/mo
▼ 0.25% · 3.875%
HK$106,462
−HK$2,821/mo
Today · 4.125%
HK$109,283
baseline
▲ 0.50% · 4.625%
HK$115,043
+HK$5,760/mo
Deposit HK$13.62M · loan HK$20.44M · min. income ≈ HK$218,566/mo (50% DSR)
Upfront cash ≈ HK$15.07M (deposit + AVD stamp duty HK$1,447,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,730
−HK$6,819/mo
▼ 0.25% · 3.875%
HK$112,113
−HK$3,436/mo
Today · 4.125%
HK$115,549
baseline
▲ 0.50% · 4.625%
HK$122,580
+HK$7,031/mo
Deposit HK$10.22M · loan HK$23.84M · min. income ≈ HK$231,098/mo (50% DSR)
Upfront cash ≈ HK$11.67M (deposit + AVD stamp duty HK$1,447,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,962
−HK$6,535/mo
▼ 0.25% · 3.875%
HK$124,206
−HK$3,291/mo
Today · 4.125%
HK$127,497
baseline
▲ 0.50% · 4.625%
HK$134,217
+HK$6,720/mo
Deposit HK$10.22M · loan HK$23.84M · min. income ≈ HK$254,994/mo (50% DSR)
Upfront cash ≈ HK$11.67M (deposit + AVD stamp duty HK$1,447,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,796
−HK$8,767/mo
▼ 0.25% · 3.875%
HK$144,145
−HK$4,418/mo
Today · 4.125%
HK$148,563
baseline
▲ 0.50% · 4.625%
HK$157,602
+HK$9,039/mo
Deposit HK$3.41M · loan HK$30.65M · min. income ≈ HK$297,126/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$1,447,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,522
−HK$8,402/mo
▼ 0.25% · 3.875%
HK$159,693
−HK$4,231/mo
Today · 4.125%
HK$163,924
baseline
▲ 0.50% · 4.625%
HK$172,565
+HK$8,641/mo
Deposit HK$3.41M · loan HK$30.65M · min. income ≈ HK$327,848/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$1,447,533 · Scale 2, in force from 26 Feb 2026)