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$77,506
−HK$4,860/mo
▼ 0.25% · 3.875%
HK$79,917
−HK$2,449/mo
Today · 4.125%
HK$82,366
baseline
▲ 0.50% · 4.625%
HK$87,378
+HK$5,012/mo
Deposit HK$16.99M · loan HK$16.99M · min. income ≈ HK$164,732/mo (50% DSR)
Upfront cash ≈ HK$18.44M (deposit + AVD stamp duty HK$1,444,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,224
−HK$4,659/mo
▼ 0.25% · 3.875%
HK$88,537
−HK$2,346/mo
Today · 4.125%
HK$90,883
baseline
▲ 0.50% · 4.625%
HK$95,673
+HK$4,790/mo
Deposit HK$16.99M · loan HK$16.99M · min. income ≈ HK$181,766/mo (50% DSR)
Upfront cash ≈ HK$18.44M (deposit + AVD stamp duty HK$1,444,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,007
−HK$5,832/mo
▼ 0.25% · 3.875%
HK$95,900
−HK$2,939/mo
Today · 4.125%
HK$98,839
baseline
▲ 0.50% · 4.625%
HK$104,853
+HK$6,014/mo
Deposit HK$13.60M · loan HK$20.39M · min. income ≈ HK$197,678/mo (50% DSR)
Upfront cash ≈ HK$15.04M (deposit + AVD stamp duty HK$1,444,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,469
−HK$5,590/mo
▼ 0.25% · 3.875%
HK$106,244
−HK$2,815/mo
Today · 4.125%
HK$109,059
baseline
▲ 0.50% · 4.625%
HK$114,808
+HK$5,749/mo
Deposit HK$13.60M · loan HK$20.39M · min. income ≈ HK$218,118/mo (50% DSR)
Upfront cash ≈ HK$15.04M (deposit + AVD stamp duty HK$1,444,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,508
−HK$6,804/mo
▼ 0.25% · 3.875%
HK$111,883
−HK$3,429/mo
Today · 4.125%
HK$115,312
baseline
▲ 0.50% · 4.625%
HK$122,329
+HK$7,017/mo
Deposit HK$10.20M · loan HK$23.79M · min. income ≈ HK$230,624/mo (50% DSR)
Upfront cash ≈ HK$11.64M (deposit + AVD stamp duty HK$1,444,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,714
−HK$6,522/mo
▼ 0.25% · 3.875%
HK$123,951
−HK$3,285/mo
Today · 4.125%
HK$127,236
baseline
▲ 0.50% · 4.625%
HK$133,943
+HK$6,707/mo
Deposit HK$10.20M · loan HK$23.79M · min. income ≈ HK$254,472/mo (50% DSR)
Upfront cash ≈ HK$11.64M (deposit + AVD stamp duty HK$1,444,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,510
−HK$8,749/mo
▼ 0.25% · 3.875%
HK$143,850
−HK$4,409/mo
Today · 4.125%
HK$148,259
baseline
▲ 0.50% · 4.625%
HK$157,280
+HK$9,021/mo
Deposit HK$3.40M · loan HK$30.59M · min. income ≈ HK$296,518/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$1,444,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,204
−HK$8,385/mo
▼ 0.25% · 3.875%
HK$159,366
−HK$4,223/mo
Today · 4.125%
HK$163,589
baseline
▲ 0.50% · 4.625%
HK$172,212
+HK$8,623/mo
Deposit HK$3.40M · loan HK$30.59M · min. income ≈ HK$327,178/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$1,444,570 · Scale 2, in force from 26 Feb 2026)