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$77,452
−HK$4,857/mo
▼ 0.25% · 3.875%
HK$79,862
−HK$2,447/mo
Today · 4.125%
HK$82,309
baseline
▲ 0.50% · 4.625%
HK$87,318
+HK$5,009/mo
Deposit HK$16.98M · loan HK$16.98M · min. income ≈ HK$164,618/mo (50% DSR)
Upfront cash ≈ HK$18.43M (deposit + AVD stamp duty HK$1,443,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,165
−HK$4,655/mo
▼ 0.25% · 3.875%
HK$88,476
−HK$2,344/mo
Today · 4.125%
HK$90,820
baseline
▲ 0.50% · 4.625%
HK$95,607
+HK$4,787/mo
Deposit HK$16.98M · loan HK$16.98M · min. income ≈ HK$181,640/mo (50% DSR)
Upfront cash ≈ HK$18.43M (deposit + AVD stamp duty HK$1,443,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,943
−HK$5,828/mo
▼ 0.25% · 3.875%
HK$95,834
−HK$2,937/mo
Today · 4.125%
HK$98,771
baseline
▲ 0.50% · 4.625%
HK$104,781
+HK$6,010/mo
Deposit HK$13.59M · loan HK$20.38M · min. income ≈ HK$197,542/mo (50% DSR)
Upfront cash ≈ HK$15.03M (deposit + AVD stamp duty HK$1,443,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,398
−HK$5,586/mo
▼ 0.25% · 3.875%
HK$106,171
−HK$2,813/mo
Today · 4.125%
HK$108,984
baseline
▲ 0.50% · 4.625%
HK$114,729
+HK$5,745/mo
Deposit HK$13.59M · loan HK$20.38M · min. income ≈ HK$217,968/mo (50% DSR)
Upfront cash ≈ HK$15.03M (deposit + AVD stamp duty HK$1,443,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,433
−HK$6,800/mo
▼ 0.25% · 3.875%
HK$111,806
−HK$3,427/mo
Today · 4.125%
HK$115,233
baseline
▲ 0.50% · 4.625%
HK$122,245
+HK$7,012/mo
Deposit HK$10.19M · loan HK$23.78M · min. income ≈ HK$230,466/mo (50% DSR)
Upfront cash ≈ HK$11.63M (deposit + AVD stamp duty HK$1,443,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,631
−HK$6,517/mo
▼ 0.25% · 3.875%
HK$123,866
−HK$3,282/mo
Today · 4.125%
HK$127,148
baseline
▲ 0.50% · 4.625%
HK$133,850
+HK$6,702/mo
Deposit HK$10.19M · loan HK$23.78M · min. income ≈ HK$254,296/mo (50% DSR)
Upfront cash ≈ HK$11.63M (deposit + AVD stamp duty HK$1,443,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,414
−HK$8,743/mo
▼ 0.25% · 3.875%
HK$143,751
−HK$4,406/mo
Today · 4.125%
HK$148,157
baseline
▲ 0.50% · 4.625%
HK$157,172
+HK$9,015/mo
Deposit HK$3.40M · loan HK$30.57M · min. income ≈ HK$296,314/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$1,443,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,097
−HK$8,379/mo
▼ 0.25% · 3.875%
HK$159,256
−HK$4,220/mo
Today · 4.125%
HK$163,476
baseline
▲ 0.50% · 4.625%
HK$172,093
+HK$8,617/mo
Deposit HK$3.40M · loan HK$30.57M · min. income ≈ HK$326,952/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$1,443,576 · Scale 2, in force from 26 Feb 2026)