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$77,470
−HK$4,858/mo
▼ 0.25% · 3.875%
HK$79,880
−HK$2,448/mo
Today · 4.125%
HK$82,328
baseline
▲ 0.50% · 4.625%
HK$87,337
+HK$5,009/mo
Deposit HK$16.99M · loan HK$16.99M · min. income ≈ HK$164,656/mo (50% DSR)
Upfront cash ≈ HK$18.43M (deposit + AVD stamp duty HK$1,443,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,184
−HK$4,657/mo
▼ 0.25% · 3.875%
HK$88,496
−HK$2,345/mo
Today · 4.125%
HK$90,841
baseline
▲ 0.50% · 4.625%
HK$95,629
+HK$4,788/mo
Deposit HK$16.99M · loan HK$16.99M · min. income ≈ HK$181,682/mo (50% DSR)
Upfront cash ≈ HK$18.43M (deposit + AVD stamp duty HK$1,443,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,964
−HK$5,829/mo
▼ 0.25% · 3.875%
HK$95,855
−HK$2,938/mo
Today · 4.125%
HK$98,793
baseline
▲ 0.50% · 4.625%
HK$104,805
+HK$6,012/mo
Deposit HK$13.59M · loan HK$20.38M · min. income ≈ HK$197,586/mo (50% DSR)
Upfront cash ≈ HK$15.03M (deposit + AVD stamp duty HK$1,443,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,421
−HK$5,588/mo
▼ 0.25% · 3.875%
HK$106,195
−HK$2,814/mo
Today · 4.125%
HK$109,009
baseline
▲ 0.50% · 4.625%
HK$114,755
+HK$5,746/mo
Deposit HK$13.59M · loan HK$20.38M · min. income ≈ HK$218,018/mo (50% DSR)
Upfront cash ≈ HK$15.03M (deposit + AVD stamp duty HK$1,443,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,458
−HK$6,801/mo
▼ 0.25% · 3.875%
HK$111,831
−HK$3,428/mo
Today · 4.125%
HK$115,259
baseline
▲ 0.50% · 4.625%
HK$122,272
+HK$7,013/mo
Deposit HK$10.19M · loan HK$23.78M · min. income ≈ HK$230,518/mo (50% DSR)
Upfront cash ≈ HK$11.64M (deposit + AVD stamp duty HK$1,443,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,658
−HK$6,519/mo
▼ 0.25% · 3.875%
HK$123,894
−HK$3,283/mo
Today · 4.125%
HK$127,177
baseline
▲ 0.50% · 4.625%
HK$133,881
+HK$6,704/mo
Deposit HK$10.19M · loan HK$23.78M · min. income ≈ HK$254,354/mo (50% DSR)
Upfront cash ≈ HK$11.64M (deposit + AVD stamp duty HK$1,443,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,446
−HK$8,744/mo
▼ 0.25% · 3.875%
HK$143,783
−HK$4,407/mo
Today · 4.125%
HK$148,190
baseline
▲ 0.50% · 4.625%
HK$157,207
+HK$9,017/mo
Deposit HK$3.40M · loan HK$30.58M · min. income ≈ HK$296,380/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$1,443,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,132
−HK$8,381/mo
▼ 0.25% · 3.875%
HK$159,292
−HK$4,221/mo
Today · 4.125%
HK$163,513
baseline
▲ 0.50% · 4.625%
HK$172,132
+HK$8,619/mo
Deposit HK$3.40M · loan HK$30.58M · min. income ≈ HK$327,026/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$1,443,903 · Scale 2, in force from 26 Feb 2026)