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$77,368
−HK$4,852/mo
▼ 0.25% · 3.875%
HK$79,775
−HK$2,445/mo
Today · 4.125%
HK$82,220
baseline
▲ 0.50% · 4.625%
HK$87,223
+HK$5,003/mo
Deposit HK$16.96M · loan HK$16.96M · min. income ≈ HK$164,440/mo (50% DSR)
Upfront cash ≈ HK$18.41M (deposit + AVD stamp duty HK$1,442,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,071
−HK$4,651/mo
▼ 0.25% · 3.875%
HK$88,380
−HK$2,342/mo
Today · 4.125%
HK$90,722
baseline
▲ 0.50% · 4.625%
HK$95,504
+HK$4,782/mo
Deposit HK$16.96M · loan HK$16.96M · min. income ≈ HK$181,444/mo (50% DSR)
Upfront cash ≈ HK$18.41M (deposit + AVD stamp duty HK$1,442,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,842
−HK$5,822/mo
▼ 0.25% · 3.875%
HK$95,730
−HK$2,934/mo
Today · 4.125%
HK$98,664
baseline
▲ 0.50% · 4.625%
HK$104,667
+HK$6,003/mo
Deposit HK$13.57M · loan HK$20.36M · min. income ≈ HK$197,328/mo (50% DSR)
Upfront cash ≈ HK$15.01M (deposit + AVD stamp duty HK$1,442,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,286
−HK$5,580/mo
▼ 0.25% · 3.875%
HK$106,056
−HK$2,810/mo
Today · 4.125%
HK$108,866
baseline
▲ 0.50% · 4.625%
HK$114,604
+HK$5,738/mo
Deposit HK$13.57M · loan HK$20.36M · min. income ≈ HK$217,732/mo (50% DSR)
Upfront cash ≈ HK$15.01M (deposit + AVD stamp duty HK$1,442,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,316
−HK$6,792/mo
▼ 0.25% · 3.875%
HK$111,685
−HK$3,423/mo
Today · 4.125%
HK$115,108
baseline
▲ 0.50% · 4.625%
HK$122,112
+HK$7,004/mo
Deposit HK$10.18M · loan HK$23.75M · min. income ≈ HK$230,216/mo (50% DSR)
Upfront cash ≈ HK$11.62M (deposit + AVD stamp duty HK$1,442,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,500
−HK$6,510/mo
▼ 0.25% · 3.875%
HK$123,732
−HK$3,278/mo
Today · 4.125%
HK$127,010
baseline
▲ 0.50% · 4.625%
HK$133,705
+HK$6,695/mo
Deposit HK$10.18M · loan HK$23.75M · min. income ≈ HK$254,020/mo (50% DSR)
Upfront cash ≈ HK$11.62M (deposit + AVD stamp duty HK$1,442,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,263
−HK$8,733/mo
▼ 0.25% · 3.875%
HK$143,595
−HK$4,401/mo
Today · 4.125%
HK$147,996
baseline
▲ 0.50% · 4.625%
HK$157,001
+HK$9,005/mo
Deposit HK$3.39M · loan HK$30.54M · min. income ≈ HK$295,992/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$1,442,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,928
−HK$8,371/mo
▼ 0.25% · 3.875%
HK$159,084
−HK$4,215/mo
Today · 4.125%
HK$163,299
baseline
▲ 0.50% · 4.625%
HK$171,907
+HK$8,608/mo
Deposit HK$3.39M · loan HK$30.54M · min. income ≈ HK$326,598/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$1,442,009 · Scale 2, in force from 26 Feb 2026)