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$77,372
−HK$4,852/mo
▼ 0.25% · 3.875%
HK$79,779
−HK$2,445/mo
Today · 4.125%
HK$82,224
baseline
▲ 0.50% · 4.625%
HK$87,227
+HK$5,003/mo
Deposit HK$16.97M · loan HK$16.97M · min. income ≈ HK$164,448/mo (50% DSR)
Upfront cash ≈ HK$18.41M (deposit + AVD stamp duty HK$1,442,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,076
−HK$4,650/mo
▼ 0.25% · 3.875%
HK$88,384
−HK$2,342/mo
Today · 4.125%
HK$90,726
baseline
▲ 0.50% · 4.625%
HK$95,508
+HK$4,782/mo
Deposit HK$16.97M · loan HK$16.97M · min. income ≈ HK$181,452/mo (50% DSR)
Upfront cash ≈ HK$18.41M (deposit + AVD stamp duty HK$1,442,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,847
−HK$5,822/mo
▼ 0.25% · 3.875%
HK$95,735
−HK$2,934/mo
Today · 4.125%
HK$98,669
baseline
▲ 0.50% · 4.625%
HK$104,673
+HK$6,004/mo
Deposit HK$13.57M · loan HK$20.36M · min. income ≈ HK$197,338/mo (50% DSR)
Upfront cash ≈ HK$15.01M (deposit + AVD stamp duty HK$1,442,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,291
−HK$5,580/mo
▼ 0.25% · 3.875%
HK$106,061
−HK$2,810/mo
Today · 4.125%
HK$108,871
baseline
▲ 0.50% · 4.625%
HK$114,610
+HK$5,739/mo
Deposit HK$13.57M · loan HK$20.36M · min. income ≈ HK$217,742/mo (50% DSR)
Upfront cash ≈ HK$15.01M (deposit + AVD stamp duty HK$1,442,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,321
−HK$6,793/mo
▼ 0.25% · 3.875%
HK$111,690
−HK$3,424/mo
Today · 4.125%
HK$115,114
baseline
▲ 0.50% · 4.625%
HK$122,118
+HK$7,004/mo
Deposit HK$10.18M · loan HK$23.75M · min. income ≈ HK$230,228/mo (50% DSR)
Upfront cash ≈ HK$11.62M (deposit + AVD stamp duty HK$1,442,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,506
−HK$6,511/mo
▼ 0.25% · 3.875%
HK$123,738
−HK$3,279/mo
Today · 4.125%
HK$127,017
baseline
▲ 0.50% · 4.625%
HK$133,712
+HK$6,695/mo
Deposit HK$10.18M · loan HK$23.75M · min. income ≈ HK$254,034/mo (50% DSR)
Upfront cash ≈ HK$11.62M (deposit + AVD stamp duty HK$1,442,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,270
−HK$8,733/mo
▼ 0.25% · 3.875%
HK$143,602
−HK$4,401/mo
Today · 4.125%
HK$148,003
baseline
▲ 0.50% · 4.625%
HK$157,009
+HK$9,006/mo
Deposit HK$3.39M · loan HK$30.54M · min. income ≈ HK$296,006/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$1,442,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,936
−HK$8,371/mo
▼ 0.25% · 3.875%
HK$159,092
−HK$4,215/mo
Today · 4.125%
HK$163,307
baseline
▲ 0.50% · 4.625%
HK$171,915
+HK$8,608/mo
Deposit HK$3.39M · loan HK$30.54M · min. income ≈ HK$326,614/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$1,442,082 · Scale 2, in force from 26 Feb 2026)