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$77,207
−HK$4,841/mo
▼ 0.25% · 3.875%
HK$79,608
−HK$2,440/mo
Today · 4.125%
HK$82,048
baseline
▲ 0.50% · 4.625%
HK$87,041
+HK$4,993/mo
Deposit HK$16.93M · loan HK$16.93M · min. income ≈ HK$164,096/mo (50% DSR)
Upfront cash ≈ HK$18.37M (deposit + AVD stamp duty HK$1,438,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,892
−HK$4,640/mo
▼ 0.25% · 3.875%
HK$88,195
−HK$2,337/mo
Today · 4.125%
HK$90,532
baseline
▲ 0.50% · 4.625%
HK$95,304
+HK$4,772/mo
Deposit HK$16.93M · loan HK$16.93M · min. income ≈ HK$181,064/mo (50% DSR)
Upfront cash ≈ HK$18.37M (deposit + AVD stamp duty HK$1,438,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,648
−HK$5,810/mo
▼ 0.25% · 3.875%
HK$95,530
−HK$2,928/mo
Today · 4.125%
HK$98,458
baseline
▲ 0.50% · 4.625%
HK$104,449
+HK$5,991/mo
Deposit HK$13.54M · loan HK$20.32M · min. income ≈ HK$196,916/mo (50% DSR)
Upfront cash ≈ HK$14.98M (deposit + AVD stamp duty HK$1,438,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,070
−HK$5,569/mo
▼ 0.25% · 3.875%
HK$105,834
−HK$2,805/mo
Today · 4.125%
HK$108,639
baseline
▲ 0.50% · 4.625%
HK$114,365
+HK$5,726/mo
Deposit HK$13.54M · loan HK$20.32M · min. income ≈ HK$217,278/mo (50% DSR)
Upfront cash ≈ HK$14.98M (deposit + AVD stamp duty HK$1,438,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,089
−HK$6,779/mo
▼ 0.25% · 3.875%
HK$111,452
−HK$3,416/mo
Today · 4.125%
HK$114,868
baseline
▲ 0.50% · 4.625%
HK$121,857
+HK$6,989/mo
Deposit HK$10.16M · loan HK$23.70M · min. income ≈ HK$229,736/mo (50% DSR)
Upfront cash ≈ HK$11.60M (deposit + AVD stamp duty HK$1,438,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,248
−HK$6,497/mo
▼ 0.25% · 3.875%
HK$123,473
−HK$3,272/mo
Today · 4.125%
HK$126,745
baseline
▲ 0.50% · 4.625%
HK$133,426
+HK$6,681/mo
Deposit HK$10.16M · loan HK$23.70M · min. income ≈ HK$253,490/mo (50% DSR)
Upfront cash ≈ HK$11.60M (deposit + AVD stamp duty HK$1,438,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,972
−HK$8,715/mo
▼ 0.25% · 3.875%
HK$143,295
−HK$4,392/mo
Today · 4.125%
HK$147,687
baseline
▲ 0.50% · 4.625%
HK$156,673
+HK$8,986/mo
Deposit HK$3.39M · loan HK$30.47M · min. income ≈ HK$295,374/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$1,438,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,605
−HK$8,353/mo
▼ 0.25% · 3.875%
HK$158,751
−HK$4,207/mo
Today · 4.125%
HK$162,958
baseline
▲ 0.50% · 4.625%
HK$171,548
+HK$8,590/mo
Deposit HK$3.39M · loan HK$30.47M · min. income ≈ HK$325,916/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$1,438,998 · Scale 2, in force from 26 Feb 2026)