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$77,672
−HK$4,870/mo
▼ 0.25% · 3.875%
HK$80,088
−HK$2,454/mo
Today · 4.125%
HK$82,542
baseline
▲ 0.50% · 4.625%
HK$87,565
+HK$5,023/mo
Deposit HK$17.03M · loan HK$17.03M · min. income ≈ HK$165,084/mo (50% DSR)
Upfront cash ≈ HK$18.48M (deposit + AVD stamp duty HK$1,447,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,409
−HK$4,668/mo
▼ 0.25% · 3.875%
HK$88,726
−HK$2,351/mo
Today · 4.125%
HK$91,077
baseline
▲ 0.50% · 4.625%
HK$95,878
+HK$4,801/mo
Deposit HK$17.03M · loan HK$17.03M · min. income ≈ HK$182,154/mo (50% DSR)
Upfront cash ≈ HK$18.48M (deposit + AVD stamp duty HK$1,447,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,206
−HK$5,845/mo
▼ 0.25% · 3.875%
HK$96,105
−HK$2,946/mo
Today · 4.125%
HK$99,051
baseline
▲ 0.50% · 4.625%
HK$105,078
+HK$6,027/mo
Deposit HK$13.63M · loan HK$20.44M · min. income ≈ HK$198,102/mo (50% DSR)
Upfront cash ≈ HK$15.07M (deposit + AVD stamp duty HK$1,447,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,691
−HK$5,602/mo
▼ 0.25% · 3.875%
HK$106,472
−HK$2,821/mo
Today · 4.125%
HK$109,293
baseline
▲ 0.50% · 4.625%
HK$115,054
+HK$5,761/mo
Deposit HK$13.63M · loan HK$20.44M · min. income ≈ HK$218,586/mo (50% DSR)
Upfront cash ≈ HK$15.07M (deposit + AVD stamp duty HK$1,447,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,740
−HK$6,819/mo
▼ 0.25% · 3.875%
HK$112,123
−HK$3,436/mo
Today · 4.125%
HK$115,559
baseline
▲ 0.50% · 4.625%
HK$122,591
+HK$7,032/mo
Deposit HK$10.22M · loan HK$23.84M · min. income ≈ HK$231,118/mo (50% DSR)
Upfront cash ≈ HK$11.67M (deposit + AVD stamp duty HK$1,447,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,973
−HK$6,535/mo
▼ 0.25% · 3.875%
HK$124,217
−HK$3,291/mo
Today · 4.125%
HK$127,508
baseline
▲ 0.50% · 4.625%
HK$134,229
+HK$6,721/mo
Deposit HK$10.22M · loan HK$23.84M · min. income ≈ HK$255,016/mo (50% DSR)
Upfront cash ≈ HK$11.67M (deposit + AVD stamp duty HK$1,447,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,809
−HK$8,767/mo
▼ 0.25% · 3.875%
HK$144,158
−HK$4,418/mo
Today · 4.125%
HK$148,576
baseline
▲ 0.50% · 4.625%
HK$157,617
+HK$9,041/mo
Deposit HK$3.41M · loan HK$30.66M · min. income ≈ HK$297,152/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$1,447,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,536
−HK$8,403/mo
▼ 0.25% · 3.875%
HK$159,707
−HK$4,232/mo
Today · 4.125%
HK$163,939
baseline
▲ 0.50% · 4.625%
HK$172,581
+HK$8,642/mo
Deposit HK$3.41M · loan HK$30.66M · min. income ≈ HK$327,878/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$1,447,665 · Scale 2, in force from 26 Feb 2026)