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$77,197
−HK$4,841/mo
▼ 0.25% · 3.875%
HK$79,598
−HK$2,440/mo
Today · 4.125%
HK$82,038
baseline
▲ 0.50% · 4.625%
HK$87,030
+HK$4,992/mo
Deposit HK$16.93M · loan HK$16.93M · min. income ≈ HK$164,076/mo (50% DSR)
Upfront cash ≈ HK$18.37M (deposit + AVD stamp duty HK$1,438,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,881
−HK$4,640/mo
▼ 0.25% · 3.875%
HK$88,184
−HK$2,337/mo
Today · 4.125%
HK$90,521
baseline
▲ 0.50% · 4.625%
HK$95,292
+HK$4,771/mo
Deposit HK$16.93M · loan HK$16.93M · min. income ≈ HK$181,042/mo (50% DSR)
Upfront cash ≈ HK$18.37M (deposit + AVD stamp duty HK$1,438,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,636
−HK$5,810/mo
▼ 0.25% · 3.875%
HK$95,518
−HK$2,928/mo
Today · 4.125%
HK$98,446
baseline
▲ 0.50% · 4.625%
HK$104,436
+HK$5,990/mo
Deposit HK$13.54M · loan HK$20.31M · min. income ≈ HK$196,892/mo (50% DSR)
Upfront cash ≈ HK$14.98M (deposit + AVD stamp duty HK$1,438,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,057
−HK$5,568/mo
▼ 0.25% · 3.875%
HK$105,821
−HK$2,804/mo
Today · 4.125%
HK$108,625
baseline
▲ 0.50% · 4.625%
HK$114,351
+HK$5,726/mo
Deposit HK$13.54M · loan HK$20.31M · min. income ≈ HK$217,250/mo (50% DSR)
Upfront cash ≈ HK$14.98M (deposit + AVD stamp duty HK$1,438,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,076
−HK$6,777/mo
▼ 0.25% · 3.875%
HK$111,438
−HK$3,415/mo
Today · 4.125%
HK$114,853
baseline
▲ 0.50% · 4.625%
HK$121,842
+HK$6,989/mo
Deposit HK$10.16M · loan HK$23.70M · min. income ≈ HK$229,706/mo (50% DSR)
Upfront cash ≈ HK$11.60M (deposit + AVD stamp duty HK$1,438,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,233
−HK$6,496/mo
▼ 0.25% · 3.875%
HK$123,458
−HK$3,271/mo
Today · 4.125%
HK$126,729
baseline
▲ 0.50% · 4.625%
HK$133,409
+HK$6,680/mo
Deposit HK$10.16M · loan HK$23.70M · min. income ≈ HK$253,458/mo (50% DSR)
Upfront cash ≈ HK$11.60M (deposit + AVD stamp duty HK$1,438,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,955
−HK$8,713/mo
▼ 0.25% · 3.875%
HK$143,277
−HK$4,391/mo
Today · 4.125%
HK$147,668
baseline
▲ 0.50% · 4.625%
HK$156,654
+HK$8,986/mo
Deposit HK$3.39M · loan HK$30.47M · min. income ≈ HK$295,336/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$1,438,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,586
−HK$8,351/mo
▼ 0.25% · 3.875%
HK$158,732
−HK$4,205/mo
Today · 4.125%
HK$162,937
baseline
▲ 0.50% · 4.625%
HK$171,526
+HK$8,589/mo
Deposit HK$3.39M · loan HK$30.47M · min. income ≈ HK$325,874/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$1,438,819 · Scale 2, in force from 26 Feb 2026)