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$77,189
−HK$4,840/mo
▼ 0.25% · 3.875%
HK$79,590
−HK$2,439/mo
Today · 4.125%
HK$82,029
baseline
▲ 0.50% · 4.625%
HK$87,020
+HK$4,991/mo
Deposit HK$16.93M · loan HK$16.93M · min. income ≈ HK$164,058/mo (50% DSR)
Upfront cash ≈ HK$18.36M (deposit + AVD stamp duty HK$1,438,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,871
−HK$4,640/mo
▼ 0.25% · 3.875%
HK$88,174
−HK$2,337/mo
Today · 4.125%
HK$90,511
baseline
▲ 0.50% · 4.625%
HK$95,282
+HK$4,771/mo
Deposit HK$16.93M · loan HK$16.93M · min. income ≈ HK$181,022/mo (50% DSR)
Upfront cash ≈ HK$18.36M (deposit + AVD stamp duty HK$1,438,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,626
−HK$5,809/mo
▼ 0.25% · 3.875%
HK$95,507
−HK$2,928/mo
Today · 4.125%
HK$98,435
baseline
▲ 0.50% · 4.625%
HK$104,424
+HK$5,989/mo
Deposit HK$13.54M · loan HK$20.31M · min. income ≈ HK$196,870/mo (50% DSR)
Upfront cash ≈ HK$14.98M (deposit + AVD stamp duty HK$1,438,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,046
−HK$5,567/mo
▼ 0.25% · 3.875%
HK$105,809
−HK$2,804/mo
Today · 4.125%
HK$108,613
baseline
▲ 0.50% · 4.625%
HK$114,338
+HK$5,725/mo
Deposit HK$13.54M · loan HK$20.31M · min. income ≈ HK$217,226/mo (50% DSR)
Upfront cash ≈ HK$14.98M (deposit + AVD stamp duty HK$1,438,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,064
−HK$6,776/mo
▼ 0.25% · 3.875%
HK$111,425
−HK$3,415/mo
Today · 4.125%
HK$114,840
baseline
▲ 0.50% · 4.625%
HK$121,828
+HK$6,988/mo
Deposit HK$10.16M · loan HK$23.70M · min. income ≈ HK$229,680/mo (50% DSR)
Upfront cash ≈ HK$11.59M (deposit + AVD stamp duty HK$1,438,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,220
−HK$6,495/mo
▼ 0.25% · 3.875%
HK$123,444
−HK$3,271/mo
Today · 4.125%
HK$126,715
baseline
▲ 0.50% · 4.625%
HK$133,394
+HK$6,679/mo
Deposit HK$10.16M · loan HK$23.70M · min. income ≈ HK$253,430/mo (50% DSR)
Upfront cash ≈ HK$11.59M (deposit + AVD stamp duty HK$1,438,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,939
−HK$8,713/mo
▼ 0.25% · 3.875%
HK$143,261
−HK$4,391/mo
Today · 4.125%
HK$147,652
baseline
▲ 0.50% · 4.625%
HK$156,636
+HK$8,984/mo
Deposit HK$3.39M · loan HK$30.47M · min. income ≈ HK$295,304/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$1,438,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,569
−HK$8,350/mo
▼ 0.25% · 3.875%
HK$158,714
−HK$4,205/mo
Today · 4.125%
HK$162,919
baseline
▲ 0.50% · 4.625%
HK$171,507
+HK$8,588/mo
Deposit HK$3.39M · loan HK$30.47M · min. income ≈ HK$325,838/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$1,438,660 · Scale 2, in force from 26 Feb 2026)