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$77,612
−HK$4,867/mo
▼ 0.25% · 3.875%
HK$80,026
−HK$2,453/mo
Today · 4.125%
HK$82,479
baseline
▲ 0.50% · 4.625%
HK$87,497
+HK$5,018/mo
Deposit HK$17.02M · loan HK$17.02M · min. income ≈ HK$164,958/mo (50% DSR)
Upfront cash ≈ HK$18.46M (deposit + AVD stamp duty HK$1,446,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,342
−HK$4,665/mo
▼ 0.25% · 3.875%
HK$88,658
−HK$2,349/mo
Today · 4.125%
HK$91,007
baseline
▲ 0.50% · 4.625%
HK$95,804
+HK$4,797/mo
Deposit HK$17.02M · loan HK$17.02M · min. income ≈ HK$182,014/mo (50% DSR)
Upfront cash ≈ HK$18.46M (deposit + AVD stamp duty HK$1,446,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,134
−HK$5,841/mo
▼ 0.25% · 3.875%
HK$96,031
−HK$2,944/mo
Today · 4.125%
HK$98,975
baseline
▲ 0.50% · 4.625%
HK$104,997
+HK$6,022/mo
Deposit HK$13.61M · loan HK$20.42M · min. income ≈ HK$197,950/mo (50% DSR)
Upfront cash ≈ HK$15.06M (deposit + AVD stamp duty HK$1,446,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,611
−HK$5,598/mo
▼ 0.25% · 3.875%
HK$106,390
−HK$2,819/mo
Today · 4.125%
HK$109,209
baseline
▲ 0.50% · 4.625%
HK$114,965
+HK$5,756/mo
Deposit HK$13.61M · loan HK$20.42M · min. income ≈ HK$218,418/mo (50% DSR)
Upfront cash ≈ HK$15.06M (deposit + AVD stamp duty HK$1,446,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,657
−HK$6,813/mo
▼ 0.25% · 3.875%
HK$112,036
−HK$3,434/mo
Today · 4.125%
HK$115,470
baseline
▲ 0.50% · 4.625%
HK$122,496
+HK$7,026/mo
Deposit HK$10.21M · loan HK$23.83M · min. income ≈ HK$230,940/mo (50% DSR)
Upfront cash ≈ HK$11.66M (deposit + AVD stamp duty HK$1,446,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,879
−HK$6,531/mo
▼ 0.25% · 3.875%
HK$124,121
−HK$3,289/mo
Today · 4.125%
HK$127,410
baseline
▲ 0.50% · 4.625%
HK$134,126
+HK$6,716/mo
Deposit HK$10.21M · loan HK$23.83M · min. income ≈ HK$254,820/mo (50% DSR)
Upfront cash ≈ HK$11.66M (deposit + AVD stamp duty HK$1,446,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,701
−HK$8,761/mo
▼ 0.25% · 3.875%
HK$144,047
−HK$4,415/mo
Today · 4.125%
HK$148,462
baseline
▲ 0.50% · 4.625%
HK$157,495
+HK$9,033/mo
Deposit HK$3.40M · loan HK$30.63M · min. income ≈ HK$296,924/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$1,446,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,416
−HK$8,397/mo
▼ 0.25% · 3.875%
HK$159,584
−HK$4,229/mo
Today · 4.125%
HK$163,813
baseline
▲ 0.50% · 4.625%
HK$172,448
+HK$8,635/mo
Deposit HK$3.40M · loan HK$30.63M · min. income ≈ HK$327,626/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$1,446,550 · Scale 2, in force from 26 Feb 2026)