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$77,378
−HK$4,852/mo
▼ 0.25% · 3.875%
HK$79,785
−HK$2,445/mo
Today · 4.125%
HK$82,230
baseline
▲ 0.50% · 4.625%
HK$87,234
+HK$5,004/mo
Deposit HK$16.97M · loan HK$16.97M · min. income ≈ HK$164,460/mo (50% DSR)
Upfront cash ≈ HK$18.41M (deposit + AVD stamp duty HK$1,442,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,082
−HK$4,651/mo
▼ 0.25% · 3.875%
HK$88,391
−HK$2,342/mo
Today · 4.125%
HK$90,733
baseline
▲ 0.50% · 4.625%
HK$95,516
+HK$4,783/mo
Deposit HK$16.97M · loan HK$16.97M · min. income ≈ HK$181,466/mo (50% DSR)
Upfront cash ≈ HK$18.41M (deposit + AVD stamp duty HK$1,442,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,853
−HK$5,823/mo
▼ 0.25% · 3.875%
HK$95,742
−HK$2,934/mo
Today · 4.125%
HK$98,676
baseline
▲ 0.50% · 4.625%
HK$104,680
+HK$6,004/mo
Deposit HK$13.57M · loan HK$20.36M · min. income ≈ HK$197,352/mo (50% DSR)
Upfront cash ≈ HK$15.02M (deposit + AVD stamp duty HK$1,442,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,299
−HK$5,580/mo
▼ 0.25% · 3.875%
HK$106,069
−HK$2,810/mo
Today · 4.125%
HK$108,879
baseline
▲ 0.50% · 4.625%
HK$114,619
+HK$5,740/mo
Deposit HK$13.57M · loan HK$20.36M · min. income ≈ HK$217,758/mo (50% DSR)
Upfront cash ≈ HK$15.02M (deposit + AVD stamp duty HK$1,442,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,329
−HK$6,793/mo
▼ 0.25% · 3.875%
HK$111,699
−HK$3,423/mo
Today · 4.125%
HK$115,122
baseline
▲ 0.50% · 4.625%
HK$122,127
+HK$7,005/mo
Deposit HK$10.18M · loan HK$23.75M · min. income ≈ HK$230,244/mo (50% DSR)
Upfront cash ≈ HK$11.62M (deposit + AVD stamp duty HK$1,442,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,515
−HK$6,511/mo
▼ 0.25% · 3.875%
HK$123,747
−HK$3,279/mo
Today · 4.125%
HK$127,026
baseline
▲ 0.50% · 4.625%
HK$133,722
+HK$6,696/mo
Deposit HK$10.18M · loan HK$23.75M · min. income ≈ HK$254,052/mo (50% DSR)
Upfront cash ≈ HK$11.62M (deposit + AVD stamp duty HK$1,442,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,280
−HK$8,734/mo
▼ 0.25% · 3.875%
HK$143,613
−HK$4,401/mo
Today · 4.125%
HK$148,014
baseline
▲ 0.50% · 4.625%
HK$157,021
+HK$9,007/mo
Deposit HK$3.39M · loan HK$30.54M · min. income ≈ HK$296,028/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$1,442,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,948
−HK$8,371/mo
▼ 0.25% · 3.875%
HK$159,103
−HK$4,216/mo
Today · 4.125%
HK$163,319
baseline
▲ 0.50% · 4.625%
HK$171,928
+HK$8,609/mo
Deposit HK$3.39M · loan HK$30.54M · min. income ≈ HK$326,638/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$1,442,190 · Scale 2, in force from 26 Feb 2026)