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$77,607
−HK$4,866/mo
▼ 0.25% · 3.875%
HK$80,021
−HK$2,452/mo
Today · 4.125%
HK$82,473
baseline
▲ 0.50% · 4.625%
HK$87,492
+HK$5,019/mo
Deposit HK$17.02M · loan HK$17.02M · min. income ≈ HK$164,946/mo (50% DSR)
Upfront cash ≈ HK$18.46M (deposit + AVD stamp duty HK$1,446,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,337
−HK$4,664/mo
▼ 0.25% · 3.875%
HK$88,652
−HK$2,349/mo
Today · 4.125%
HK$91,001
baseline
▲ 0.50% · 4.625%
HK$95,798
+HK$4,797/mo
Deposit HK$17.02M · loan HK$17.02M · min. income ≈ HK$182,002/mo (50% DSR)
Upfront cash ≈ HK$18.46M (deposit + AVD stamp duty HK$1,446,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,128
−HK$5,840/mo
▼ 0.25% · 3.875%
HK$96,025
−HK$2,943/mo
Today · 4.125%
HK$98,968
baseline
▲ 0.50% · 4.625%
HK$104,990
+HK$6,022/mo
Deposit HK$13.61M · loan HK$20.42M · min. income ≈ HK$197,936/mo (50% DSR)
Upfront cash ≈ HK$15.06M (deposit + AVD stamp duty HK$1,446,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,604
−HK$5,597/mo
▼ 0.25% · 3.875%
HK$106,383
−HK$2,818/mo
Today · 4.125%
HK$109,201
baseline
▲ 0.50% · 4.625%
HK$114,958
+HK$5,757/mo
Deposit HK$13.61M · loan HK$20.42M · min. income ≈ HK$218,402/mo (50% DSR)
Upfront cash ≈ HK$15.06M (deposit + AVD stamp duty HK$1,446,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,649
−HK$6,814/mo
▼ 0.25% · 3.875%
HK$112,029
−HK$3,434/mo
Today · 4.125%
HK$115,463
baseline
▲ 0.50% · 4.625%
HK$122,488
+HK$7,025/mo
Deposit HK$10.21M · loan HK$23.82M · min. income ≈ HK$230,926/mo (50% DSR)
Upfront cash ≈ HK$11.66M (deposit + AVD stamp duty HK$1,446,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,871
−HK$6,531/mo
▼ 0.25% · 3.875%
HK$124,113
−HK$3,289/mo
Today · 4.125%
HK$127,402
baseline
▲ 0.50% · 4.625%
HK$134,117
+HK$6,715/mo
Deposit HK$10.21M · loan HK$23.82M · min. income ≈ HK$254,804/mo (50% DSR)
Upfront cash ≈ HK$11.66M (deposit + AVD stamp duty HK$1,446,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,692
−HK$8,760/mo
▼ 0.25% · 3.875%
HK$144,037
−HK$4,415/mo
Today · 4.125%
HK$148,452
baseline
▲ 0.50% · 4.625%
HK$157,485
+HK$9,033/mo
Deposit HK$3.40M · loan HK$30.63M · min. income ≈ HK$296,904/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$1,446,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,406
−HK$8,396/mo
▼ 0.25% · 3.875%
HK$159,574
−HK$4,228/mo
Today · 4.125%
HK$163,802
baseline
▲ 0.50% · 4.625%
HK$172,436
+HK$8,634/mo
Deposit HK$3.40M · loan HK$30.63M · min. income ≈ HK$327,604/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$1,446,454 · Scale 2, in force from 26 Feb 2026)