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$77,263
−HK$4,845/mo
▼ 0.25% · 3.875%
HK$79,666
−HK$2,442/mo
Today · 4.125%
HK$82,108
baseline
▲ 0.50% · 4.625%
HK$87,104
+HK$4,996/mo
Deposit HK$16.94M · loan HK$16.94M · min. income ≈ HK$164,216/mo (50% DSR)
Upfront cash ≈ HK$18.38M (deposit + AVD stamp duty HK$1,440,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,954
−HK$4,644/mo
▼ 0.25% · 3.875%
HK$88,260
−HK$2,338/mo
Today · 4.125%
HK$90,598
baseline
▲ 0.50% · 4.625%
HK$95,374
+HK$4,776/mo
Deposit HK$16.94M · loan HK$16.94M · min. income ≈ HK$181,196/mo (50% DSR)
Upfront cash ≈ HK$18.38M (deposit + AVD stamp duty HK$1,440,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,716
−HK$5,814/mo
▼ 0.25% · 3.875%
HK$95,600
−HK$2,930/mo
Today · 4.125%
HK$98,530
baseline
▲ 0.50% · 4.625%
HK$104,525
+HK$5,995/mo
Deposit HK$13.55M · loan HK$20.33M · min. income ≈ HK$197,060/mo (50% DSR)
Upfront cash ≈ HK$14.99M (deposit + AVD stamp duty HK$1,440,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,145
−HK$5,573/mo
▼ 0.25% · 3.875%
HK$105,912
−HK$2,806/mo
Today · 4.125%
HK$108,718
baseline
▲ 0.50% · 4.625%
HK$114,448
+HK$5,730/mo
Deposit HK$13.55M · loan HK$20.33M · min. income ≈ HK$217,436/mo (50% DSR)
Upfront cash ≈ HK$14.99M (deposit + AVD stamp duty HK$1,440,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,168
−HK$6,783/mo
▼ 0.25% · 3.875%
HK$111,533
−HK$3,418/mo
Today · 4.125%
HK$114,951
baseline
▲ 0.50% · 4.625%
HK$121,946
+HK$6,995/mo
Deposit HK$10.17M · loan HK$23.72M · min. income ≈ HK$229,902/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$1,440,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,336
−HK$6,501/mo
▼ 0.25% · 3.875%
HK$123,563
−HK$3,274/mo
Today · 4.125%
HK$126,837
baseline
▲ 0.50% · 4.625%
HK$133,523
+HK$6,686/mo
Deposit HK$10.17M · loan HK$23.72M · min. income ≈ HK$253,674/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$1,440,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,073
−HK$8,722/mo
▼ 0.25% · 3.875%
HK$143,399
−HK$4,396/mo
Today · 4.125%
HK$147,795
baseline
▲ 0.50% · 4.625%
HK$156,788
+HK$8,993/mo
Deposit HK$3.39M · loan HK$30.50M · min. income ≈ HK$295,590/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$1,440,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,718
−HK$8,359/mo
▼ 0.25% · 3.875%
HK$158,867
−HK$4,210/mo
Today · 4.125%
HK$163,077
baseline
▲ 0.50% · 4.625%
HK$171,673
+HK$8,596/mo
Deposit HK$3.39M · loan HK$30.50M · min. income ≈ HK$326,154/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$1,440,048 · Scale 2, in force from 26 Feb 2026)