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$77,717
−HK$4,874/mo
▼ 0.25% · 3.875%
HK$80,134
−HK$2,457/mo
Today · 4.125%
HK$82,591
baseline
▲ 0.50% · 4.625%
HK$87,616
+HK$5,025/mo
Deposit HK$17.04M · loan HK$17.04M · min. income ≈ HK$165,182/mo (50% DSR)
Upfront cash ≈ HK$18.49M (deposit + AVD stamp duty HK$1,448,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,459
−HK$4,672/mo
▼ 0.25% · 3.875%
HK$88,778
−HK$2,353/mo
Today · 4.125%
HK$91,131
baseline
▲ 0.50% · 4.625%
HK$95,934
+HK$4,803/mo
Deposit HK$17.04M · loan HK$17.04M · min. income ≈ HK$182,262/mo (50% DSR)
Upfront cash ≈ HK$18.49M (deposit + AVD stamp duty HK$1,448,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,260
−HK$5,849/mo
▼ 0.25% · 3.875%
HK$96,161
−HK$2,948/mo
Today · 4.125%
HK$99,109
baseline
▲ 0.50% · 4.625%
HK$105,139
+HK$6,030/mo
Deposit HK$13.63M · loan HK$20.45M · min. income ≈ HK$198,218/mo (50% DSR)
Upfront cash ≈ HK$15.08M (deposit + AVD stamp duty HK$1,448,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,751
−HK$5,606/mo
▼ 0.25% · 3.875%
HK$106,534
−HK$2,823/mo
Today · 4.125%
HK$109,357
baseline
▲ 0.50% · 4.625%
HK$115,121
+HK$5,764/mo
Deposit HK$13.63M · loan HK$20.45M · min. income ≈ HK$218,714/mo (50% DSR)
Upfront cash ≈ HK$15.08M (deposit + AVD stamp duty HK$1,448,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,804
−HK$6,823/mo
▼ 0.25% · 3.875%
HK$112,188
−HK$3,439/mo
Today · 4.125%
HK$115,627
baseline
▲ 0.50% · 4.625%
HK$122,662
+HK$7,035/mo
Deposit HK$10.22M · loan HK$23.86M · min. income ≈ HK$231,254/mo (50% DSR)
Upfront cash ≈ HK$11.67M (deposit + AVD stamp duty HK$1,448,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,043
−HK$6,540/mo
▼ 0.25% · 3.875%
HK$124,289
−HK$3,294/mo
Today · 4.125%
HK$127,583
baseline
▲ 0.50% · 4.625%
HK$134,308
+HK$6,725/mo
Deposit HK$10.22M · loan HK$23.86M · min. income ≈ HK$255,166/mo (50% DSR)
Upfront cash ≈ HK$11.67M (deposit + AVD stamp duty HK$1,448,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,891
−HK$8,772/mo
▼ 0.25% · 3.875%
HK$144,242
−HK$4,421/mo
Today · 4.125%
HK$148,663
baseline
▲ 0.50% · 4.625%
HK$157,709
+HK$9,046/mo
Deposit HK$3.41M · loan HK$30.67M · min. income ≈ HK$297,326/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$1,448,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,627
−HK$8,408/mo
▼ 0.25% · 3.875%
HK$159,801
−HK$4,234/mo
Today · 4.125%
HK$164,035
baseline
▲ 0.50% · 4.625%
HK$172,681
+HK$8,646/mo
Deposit HK$3.41M · loan HK$30.67M · min. income ≈ HK$328,070/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$1,448,510 · Scale 2, in force from 26 Feb 2026)