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$77,254
−HK$4,845/mo
▼ 0.25% · 3.875%
HK$79,657
−HK$2,442/mo
Today · 4.125%
HK$82,099
baseline
▲ 0.50% · 4.625%
HK$87,094
+HK$4,995/mo
Deposit HK$16.94M · loan HK$16.94M · min. income ≈ HK$164,198/mo (50% DSR)
Upfront cash ≈ HK$18.38M (deposit + AVD stamp duty HK$1,439,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,944
−HK$4,644/mo
▼ 0.25% · 3.875%
HK$88,249
−HK$2,339/mo
Today · 4.125%
HK$90,588
baseline
▲ 0.50% · 4.625%
HK$95,363
+HK$4,775/mo
Deposit HK$16.94M · loan HK$16.94M · min. income ≈ HK$181,176/mo (50% DSR)
Upfront cash ≈ HK$18.38M (deposit + AVD stamp duty HK$1,439,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,705
−HK$5,813/mo
▼ 0.25% · 3.875%
HK$95,589
−HK$2,929/mo
Today · 4.125%
HK$98,518
baseline
▲ 0.50% · 4.625%
HK$104,513
+HK$5,995/mo
Deposit HK$13.55M · loan HK$20.33M · min. income ≈ HK$197,036/mo (50% DSR)
Upfront cash ≈ HK$14.99M (deposit + AVD stamp duty HK$1,439,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,133
−HK$5,572/mo
▼ 0.25% · 3.875%
HK$105,899
−HK$2,806/mo
Today · 4.125%
HK$108,705
baseline
▲ 0.50% · 4.625%
HK$114,435
+HK$5,730/mo
Deposit HK$13.55M · loan HK$20.33M · min. income ≈ HK$217,410/mo (50% DSR)
Upfront cash ≈ HK$14.99M (deposit + AVD stamp duty HK$1,439,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,156
−HK$6,782/mo
▼ 0.25% · 3.875%
HK$111,520
−HK$3,418/mo
Today · 4.125%
HK$114,938
baseline
▲ 0.50% · 4.625%
HK$121,932
+HK$6,994/mo
Deposit HK$10.16M · loan HK$23.72M · min. income ≈ HK$229,876/mo (50% DSR)
Upfront cash ≈ HK$11.60M (deposit + AVD stamp duty HK$1,439,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,322
−HK$6,501/mo
▼ 0.25% · 3.875%
HK$123,549
−HK$3,274/mo
Today · 4.125%
HK$126,823
baseline
▲ 0.50% · 4.625%
HK$133,508
+HK$6,685/mo
Deposit HK$10.16M · loan HK$23.72M · min. income ≈ HK$253,646/mo (50% DSR)
Upfront cash ≈ HK$11.60M (deposit + AVD stamp duty HK$1,439,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,057
−HK$8,720/mo
▼ 0.25% · 3.875%
HK$143,383
−HK$4,394/mo
Today · 4.125%
HK$147,777
baseline
▲ 0.50% · 4.625%
HK$156,769
+HK$8,992/mo
Deposit HK$3.39M · loan HK$30.49M · min. income ≈ HK$295,554/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$1,439,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,700
−HK$8,358/mo
▼ 0.25% · 3.875%
HK$158,849
−HK$4,209/mo
Today · 4.125%
HK$163,058
baseline
▲ 0.50% · 4.625%
HK$171,653
+HK$8,595/mo
Deposit HK$3.39M · loan HK$30.49M · min. income ≈ HK$326,116/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$1,439,882 · Scale 2, in force from 26 Feb 2026)