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$77,478
−HK$4,859/mo
▼ 0.25% · 3.875%
HK$79,888
−HK$2,449/mo
Today · 4.125%
HK$82,337
baseline
▲ 0.50% · 4.625%
HK$87,347
+HK$5,010/mo
Deposit HK$16.99M · loan HK$16.99M · min. income ≈ HK$164,674/mo (50% DSR)
Upfront cash ≈ HK$18.43M (deposit + AVD stamp duty HK$1,444,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,193
−HK$4,657/mo
▼ 0.25% · 3.875%
HK$88,505
−HK$2,345/mo
Today · 4.125%
HK$90,850
baseline
▲ 0.50% · 4.625%
HK$95,639
+HK$4,789/mo
Deposit HK$16.99M · loan HK$16.99M · min. income ≈ HK$181,700/mo (50% DSR)
Upfront cash ≈ HK$18.43M (deposit + AVD stamp duty HK$1,444,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,974
−HK$5,830/mo
▼ 0.25% · 3.875%
HK$95,866
−HK$2,938/mo
Today · 4.125%
HK$98,804
baseline
▲ 0.50% · 4.625%
HK$104,816
+HK$6,012/mo
Deposit HK$13.59M · loan HK$20.39M · min. income ≈ HK$197,608/mo (50% DSR)
Upfront cash ≈ HK$15.04M (deposit + AVD stamp duty HK$1,444,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,432
−HK$5,588/mo
▼ 0.25% · 3.875%
HK$106,206
−HK$2,814/mo
Today · 4.125%
HK$109,020
baseline
▲ 0.50% · 4.625%
HK$114,767
+HK$5,747/mo
Deposit HK$13.59M · loan HK$20.39M · min. income ≈ HK$218,040/mo (50% DSR)
Upfront cash ≈ HK$15.04M (deposit + AVD stamp duty HK$1,444,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,469
−HK$6,802/mo
▼ 0.25% · 3.875%
HK$111,843
−HK$3,428/mo
Today · 4.125%
HK$115,271
baseline
▲ 0.50% · 4.625%
HK$122,285
+HK$7,014/mo
Deposit HK$10.19M · loan HK$23.78M · min. income ≈ HK$230,542/mo (50% DSR)
Upfront cash ≈ HK$11.64M (deposit + AVD stamp duty HK$1,444,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,671
−HK$6,519/mo
▼ 0.25% · 3.875%
HK$123,907
−HK$3,283/mo
Today · 4.125%
HK$127,190
baseline
▲ 0.50% · 4.625%
HK$133,895
+HK$6,705/mo
Deposit HK$10.19M · loan HK$23.78M · min. income ≈ HK$254,380/mo (50% DSR)
Upfront cash ≈ HK$11.64M (deposit + AVD stamp duty HK$1,444,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,460
−HK$8,746/mo
▼ 0.25% · 3.875%
HK$143,798
−HK$4,408/mo
Today · 4.125%
HK$148,206
baseline
▲ 0.50% · 4.625%
HK$157,224
+HK$9,018/mo
Deposit HK$3.40M · loan HK$30.58M · min. income ≈ HK$296,412/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$1,444,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,148
−HK$8,382/mo
▼ 0.25% · 3.875%
HK$159,309
−HK$4,221/mo
Today · 4.125%
HK$163,530
baseline
▲ 0.50% · 4.625%
HK$172,150
+HK$8,620/mo
Deposit HK$3.40M · loan HK$30.58M · min. income ≈ HK$327,060/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$1,444,055 · Scale 2, in force from 26 Feb 2026)