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$77,367
−HK$4,852/mo
▼ 0.25% · 3.875%
HK$79,773
−HK$2,446/mo
Today · 4.125%
HK$82,219
baseline
▲ 0.50% · 4.625%
HK$87,221
+HK$5,002/mo
Deposit HK$16.96M · loan HK$16.96M · min. income ≈ HK$164,438/mo (50% DSR)
Upfront cash ≈ HK$18.41M (deposit + AVD stamp duty HK$1,441,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,070
−HK$4,650/mo
▼ 0.25% · 3.875%
HK$88,378
−HK$2,342/mo
Today · 4.125%
HK$90,720
baseline
▲ 0.50% · 4.625%
HK$95,502
+HK$4,782/mo
Deposit HK$16.96M · loan HK$16.96M · min. income ≈ HK$181,440/mo (50% DSR)
Upfront cash ≈ HK$18.41M (deposit + AVD stamp duty HK$1,441,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,840
−HK$5,822/mo
▼ 0.25% · 3.875%
HK$95,728
−HK$2,934/mo
Today · 4.125%
HK$98,662
baseline
▲ 0.50% · 4.625%
HK$104,666
+HK$6,004/mo
Deposit HK$13.57M · loan HK$20.36M · min. income ≈ HK$197,324/mo (50% DSR)
Upfront cash ≈ HK$15.01M (deposit + AVD stamp duty HK$1,441,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,284
−HK$5,580/mo
▼ 0.25% · 3.875%
HK$106,054
−HK$2,810/mo
Today · 4.125%
HK$108,864
baseline
▲ 0.50% · 4.625%
HK$114,602
+HK$5,738/mo
Deposit HK$13.57M · loan HK$20.36M · min. income ≈ HK$217,728/mo (50% DSR)
Upfront cash ≈ HK$15.01M (deposit + AVD stamp duty HK$1,441,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,314
−HK$6,792/mo
▼ 0.25% · 3.875%
HK$111,683
−HK$3,423/mo
Today · 4.125%
HK$115,106
baseline
▲ 0.50% · 4.625%
HK$122,110
+HK$7,004/mo
Deposit HK$10.18M · loan HK$23.75M · min. income ≈ HK$230,212/mo (50% DSR)
Upfront cash ≈ HK$11.62M (deposit + AVD stamp duty HK$1,441,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,498
−HK$6,510/mo
▼ 0.25% · 3.875%
HK$123,730
−HK$3,278/mo
Today · 4.125%
HK$127,008
baseline
▲ 0.50% · 4.625%
HK$133,703
+HK$6,695/mo
Deposit HK$10.18M · loan HK$23.75M · min. income ≈ HK$254,016/mo (50% DSR)
Upfront cash ≈ HK$11.62M (deposit + AVD stamp duty HK$1,441,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,260
−HK$8,733/mo
▼ 0.25% · 3.875%
HK$143,592
−HK$4,401/mo
Today · 4.125%
HK$147,993
baseline
▲ 0.50% · 4.625%
HK$156,998
+HK$9,005/mo
Deposit HK$3.39M · loan HK$30.54M · min. income ≈ HK$295,986/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$1,441,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,926
−HK$8,370/mo
▼ 0.25% · 3.875%
HK$159,081
−HK$4,215/mo
Today · 4.125%
HK$163,296
baseline
▲ 0.50% · 4.625%
HK$171,904
+HK$8,608/mo
Deposit HK$3.39M · loan HK$30.54M · min. income ≈ HK$326,592/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$1,441,985 · Scale 2, in force from 26 Feb 2026)