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$77,327
−HK$4,849/mo
▼ 0.25% · 3.875%
HK$79,733
−HK$2,443/mo
Today · 4.125%
HK$82,176
baseline
▲ 0.50% · 4.625%
HK$87,177
+HK$5,001/mo
Deposit HK$16.96M · loan HK$16.96M · min. income ≈ HK$164,352/mo (50% DSR)
Upfront cash ≈ HK$18.40M (deposit + AVD stamp duty HK$1,441,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,026
−HK$4,648/mo
▼ 0.25% · 3.875%
HK$88,333
−HK$2,341/mo
Today · 4.125%
HK$90,674
baseline
▲ 0.50% · 4.625%
HK$95,453
+HK$4,779/mo
Deposit HK$16.96M · loan HK$16.96M · min. income ≈ HK$181,348/mo (50% DSR)
Upfront cash ≈ HK$18.40M (deposit + AVD stamp duty HK$1,441,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,793
−HK$5,819/mo
▼ 0.25% · 3.875%
HK$95,679
−HK$2,933/mo
Today · 4.125%
HK$98,612
baseline
▲ 0.50% · 4.625%
HK$104,612
+HK$6,000/mo
Deposit HK$13.56M · loan HK$20.35M · min. income ≈ HK$197,224/mo (50% DSR)
Upfront cash ≈ HK$15.01M (deposit + AVD stamp duty HK$1,441,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,231
−HK$5,577/mo
▼ 0.25% · 3.875%
HK$106,000
−HK$2,808/mo
Today · 4.125%
HK$108,808
baseline
▲ 0.50% · 4.625%
HK$114,544
+HK$5,736/mo
Deposit HK$13.56M · loan HK$20.35M · min. income ≈ HK$217,616/mo (50% DSR)
Upfront cash ≈ HK$15.01M (deposit + AVD stamp duty HK$1,441,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,258
−HK$6,789/mo
▼ 0.25% · 3.875%
HK$111,626
−HK$3,421/mo
Today · 4.125%
HK$115,047
baseline
▲ 0.50% · 4.625%
HK$122,047
+HK$7,000/mo
Deposit HK$10.17M · loan HK$23.74M · min. income ≈ HK$230,094/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$1,441,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,436
−HK$6,507/mo
▼ 0.25% · 3.875%
HK$123,666
−HK$3,277/mo
Today · 4.125%
HK$126,943
baseline
▲ 0.50% · 4.625%
HK$133,634
+HK$6,691/mo
Deposit HK$10.17M · loan HK$23.74M · min. income ≈ HK$253,886/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$1,441,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,189
−HK$8,728/mo
▼ 0.25% · 3.875%
HK$143,519
−HK$4,398/mo
Today · 4.125%
HK$147,917
baseline
▲ 0.50% · 4.625%
HK$156,918
+HK$9,001/mo
Deposit HK$3.39M · loan HK$30.52M · min. income ≈ HK$295,834/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$1,441,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,846
−HK$8,366/mo
▼ 0.25% · 3.875%
HK$158,999
−HK$4,213/mo
Today · 4.125%
HK$163,212
baseline
▲ 0.50% · 4.625%
HK$171,815
+HK$8,603/mo
Deposit HK$3.39M · loan HK$30.52M · min. income ≈ HK$326,424/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$1,441,246 · Scale 2, in force from 26 Feb 2026)