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$77,465
−HK$4,858/mo
▼ 0.25% · 3.875%
HK$79,875
−HK$2,448/mo
Today · 4.125%
HK$82,323
baseline
▲ 0.50% · 4.625%
HK$87,332
+HK$5,009/mo
Deposit HK$16.99M · loan HK$16.99M · min. income ≈ HK$164,646/mo (50% DSR)
Upfront cash ≈ HK$18.43M (deposit + AVD stamp duty HK$1,443,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,179
−HK$4,656/mo
▼ 0.25% · 3.875%
HK$88,490
−HK$2,345/mo
Today · 4.125%
HK$90,835
baseline
▲ 0.50% · 4.625%
HK$95,623
+HK$4,788/mo
Deposit HK$16.99M · loan HK$16.99M · min. income ≈ HK$181,670/mo (50% DSR)
Upfront cash ≈ HK$18.43M (deposit + AVD stamp duty HK$1,443,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,958
−HK$5,829/mo
▼ 0.25% · 3.875%
HK$95,849
−HK$2,938/mo
Today · 4.125%
HK$98,787
baseline
▲ 0.50% · 4.625%
HK$104,798
+HK$6,011/mo
Deposit HK$13.59M · loan HK$20.38M · min. income ≈ HK$197,574/mo (50% DSR)
Upfront cash ≈ HK$15.03M (deposit + AVD stamp duty HK$1,443,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,415
−HK$5,587/mo
▼ 0.25% · 3.875%
HK$106,188
−HK$2,814/mo
Today · 4.125%
HK$109,002
baseline
▲ 0.50% · 4.625%
HK$114,748
+HK$5,746/mo
Deposit HK$13.59M · loan HK$20.38M · min. income ≈ HK$218,004/mo (50% DSR)
Upfront cash ≈ HK$15.03M (deposit + AVD stamp duty HK$1,443,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,451
−HK$6,801/mo
▼ 0.25% · 3.875%
HK$111,824
−HK$3,428/mo
Today · 4.125%
HK$115,252
baseline
▲ 0.50% · 4.625%
HK$122,265
+HK$7,013/mo
Deposit HK$10.19M · loan HK$23.78M · min. income ≈ HK$230,504/mo (50% DSR)
Upfront cash ≈ HK$11.64M (deposit + AVD stamp duty HK$1,443,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,651
−HK$6,518/mo
▼ 0.25% · 3.875%
HK$123,886
−HK$3,283/mo
Today · 4.125%
HK$127,169
baseline
▲ 0.50% · 4.625%
HK$133,872
+HK$6,703/mo
Deposit HK$10.19M · loan HK$23.78M · min. income ≈ HK$254,338/mo (50% DSR)
Upfront cash ≈ HK$11.64M (deposit + AVD stamp duty HK$1,443,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,437
−HK$8,744/mo
▼ 0.25% · 3.875%
HK$143,774
−HK$4,407/mo
Today · 4.125%
HK$148,181
baseline
▲ 0.50% · 4.625%
HK$157,197
+HK$9,016/mo
Deposit HK$3.40M · loan HK$30.57M · min. income ≈ HK$296,362/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$1,443,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,122
−HK$8,381/mo
▼ 0.25% · 3.875%
HK$159,283
−HK$4,220/mo
Today · 4.125%
HK$163,503
baseline
▲ 0.50% · 4.625%
HK$172,121
+HK$8,618/mo
Deposit HK$3.40M · loan HK$30.57M · min. income ≈ HK$327,006/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$1,443,812 · Scale 2, in force from 26 Feb 2026)