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$77,620
−HK$4,867/mo
▼ 0.25% · 3.875%
HK$80,034
−HK$2,453/mo
Today · 4.125%
HK$82,487
baseline
▲ 0.50% · 4.625%
HK$87,506
+HK$5,019/mo
Deposit HK$17.02M · loan HK$17.02M · min. income ≈ HK$164,974/mo (50% DSR)
Upfront cash ≈ HK$18.47M (deposit + AVD stamp duty HK$1,446,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,351
−HK$4,665/mo
▼ 0.25% · 3.875%
HK$88,667
−HK$2,349/mo
Today · 4.125%
HK$91,016
baseline
▲ 0.50% · 4.625%
HK$95,814
+HK$4,798/mo
Deposit HK$17.02M · loan HK$17.02M · min. income ≈ HK$182,032/mo (50% DSR)
Upfront cash ≈ HK$18.47M (deposit + AVD stamp duty HK$1,446,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,143
−HK$5,841/mo
▼ 0.25% · 3.875%
HK$96,041
−HK$2,943/mo
Today · 4.125%
HK$98,984
baseline
▲ 0.50% · 4.625%
HK$105,007
+HK$6,023/mo
Deposit HK$13.62M · loan HK$20.42M · min. income ≈ HK$197,968/mo (50% DSR)
Upfront cash ≈ HK$15.06M (deposit + AVD stamp duty HK$1,446,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,621
−HK$5,598/mo
▼ 0.25% · 3.875%
HK$106,400
−HK$2,819/mo
Today · 4.125%
HK$109,219
baseline
▲ 0.50% · 4.625%
HK$114,977
+HK$5,758/mo
Deposit HK$13.62M · loan HK$20.42M · min. income ≈ HK$218,438/mo (50% DSR)
Upfront cash ≈ HK$15.06M (deposit + AVD stamp duty HK$1,446,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,667
−HK$6,815/mo
▼ 0.25% · 3.875%
HK$112,048
−HK$3,434/mo
Today · 4.125%
HK$115,482
baseline
▲ 0.50% · 4.625%
HK$122,509
+HK$7,027/mo
Deposit HK$10.21M · loan HK$23.83M · min. income ≈ HK$230,964/mo (50% DSR)
Upfront cash ≈ HK$11.66M (deposit + AVD stamp duty HK$1,446,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,891
−HK$6,532/mo
▼ 0.25% · 3.875%
HK$124,134
−HK$3,289/mo
Today · 4.125%
HK$127,423
baseline
▲ 0.50% · 4.625%
HK$134,139
+HK$6,716/mo
Deposit HK$10.21M · loan HK$23.83M · min. income ≈ HK$254,846/mo (50% DSR)
Upfront cash ≈ HK$11.66M (deposit + AVD stamp duty HK$1,446,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,715
−HK$8,762/mo
▼ 0.25% · 3.875%
HK$144,061
−HK$4,416/mo
Today · 4.125%
HK$148,477
baseline
▲ 0.50% · 4.625%
HK$157,511
+HK$9,034/mo
Deposit HK$3.40M · loan HK$30.64M · min. income ≈ HK$296,954/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$1,446,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,432
−HK$8,397/mo
▼ 0.25% · 3.875%
HK$159,600
−HK$4,229/mo
Today · 4.125%
HK$163,829
baseline
▲ 0.50% · 4.625%
HK$172,465
+HK$8,636/mo
Deposit HK$3.40M · loan HK$30.64M · min. income ≈ HK$327,658/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$1,446,693 · Scale 2, in force from 26 Feb 2026)