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$77,504
−HK$4,861/mo
▼ 0.25% · 3.875%
HK$79,915
−HK$2,450/mo
Today · 4.125%
HK$82,365
baseline
▲ 0.50% · 4.625%
HK$87,376
+HK$5,011/mo
Deposit HK$16.99M · loan HK$16.99M · min. income ≈ HK$164,730/mo (50% DSR)
Upfront cash ≈ HK$18.44M (deposit + AVD stamp duty HK$1,444,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,223
−HK$4,658/mo
▼ 0.25% · 3.875%
HK$88,535
−HK$2,346/mo
Today · 4.125%
HK$90,881
baseline
▲ 0.50% · 4.625%
HK$95,672
+HK$4,791/mo
Deposit HK$16.99M · loan HK$16.99M · min. income ≈ HK$181,762/mo (50% DSR)
Upfront cash ≈ HK$18.44M (deposit + AVD stamp duty HK$1,444,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,005
−HK$5,833/mo
▼ 0.25% · 3.875%
HK$95,898
−HK$2,940/mo
Today · 4.125%
HK$98,838
baseline
▲ 0.50% · 4.625%
HK$104,852
+HK$6,014/mo
Deposit HK$13.60M · loan HK$20.39M · min. income ≈ HK$197,676/mo (50% DSR)
Upfront cash ≈ HK$15.04M (deposit + AVD stamp duty HK$1,444,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,468
−HK$5,590/mo
▼ 0.25% · 3.875%
HK$106,243
−HK$2,815/mo
Today · 4.125%
HK$109,058
baseline
▲ 0.50% · 4.625%
HK$114,806
+HK$5,748/mo
Deposit HK$13.60M · loan HK$20.39M · min. income ≈ HK$218,116/mo (50% DSR)
Upfront cash ≈ HK$15.04M (deposit + AVD stamp duty HK$1,444,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,506
−HK$6,805/mo
▼ 0.25% · 3.875%
HK$111,881
−HK$3,430/mo
Today · 4.125%
HK$115,311
baseline
▲ 0.50% · 4.625%
HK$122,327
+HK$7,016/mo
Deposit HK$10.20M · loan HK$23.79M · min. income ≈ HK$230,622/mo (50% DSR)
Upfront cash ≈ HK$11.64M (deposit + AVD stamp duty HK$1,444,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,712
−HK$6,522/mo
▼ 0.25% · 3.875%
HK$123,950
−HK$3,284/mo
Today · 4.125%
HK$127,234
baseline
▲ 0.50% · 4.625%
HK$133,941
+HK$6,707/mo
Deposit HK$10.20M · loan HK$23.79M · min. income ≈ HK$254,468/mo (50% DSR)
Upfront cash ≈ HK$11.64M (deposit + AVD stamp duty HK$1,444,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,508
−HK$8,748/mo
▼ 0.25% · 3.875%
HK$143,848
−HK$4,408/mo
Today · 4.125%
HK$148,256
baseline
▲ 0.50% · 4.625%
HK$157,278
+HK$9,022/mo
Deposit HK$3.40M · loan HK$30.59M · min. income ≈ HK$296,512/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$1,444,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,201
−HK$8,385/mo
▼ 0.25% · 3.875%
HK$159,364
−HK$4,222/mo
Today · 4.125%
HK$163,586
baseline
▲ 0.50% · 4.625%
HK$172,209
+HK$8,623/mo
Deposit HK$3.40M · loan HK$30.59M · min. income ≈ HK$327,172/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$1,444,549 · Scale 2, in force from 26 Feb 2026)