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$77,481
−HK$4,859/mo
▼ 0.25% · 3.875%
HK$79,891
−HK$2,449/mo
Today · 4.125%
HK$82,340
baseline
▲ 0.50% · 4.625%
HK$87,350
+HK$5,010/mo
Deposit HK$16.99M · loan HK$16.99M · min. income ≈ HK$164,680/mo (50% DSR)
Upfront cash ≈ HK$18.43M (deposit + AVD stamp duty HK$1,444,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,197
−HK$4,657/mo
▼ 0.25% · 3.875%
HK$88,509
−HK$2,345/mo
Today · 4.125%
HK$90,854
baseline
▲ 0.50% · 4.625%
HK$95,643
+HK$4,789/mo
Deposit HK$16.99M · loan HK$16.99M · min. income ≈ HK$181,708/mo (50% DSR)
Upfront cash ≈ HK$18.43M (deposit + AVD stamp duty HK$1,444,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,977
−HK$5,831/mo
▼ 0.25% · 3.875%
HK$95,869
−HK$2,939/mo
Today · 4.125%
HK$98,808
baseline
▲ 0.50% · 4.625%
HK$104,820
+HK$6,012/mo
Deposit HK$13.59M · loan HK$20.39M · min. income ≈ HK$197,616/mo (50% DSR)
Upfront cash ≈ HK$15.04M (deposit + AVD stamp duty HK$1,444,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,436
−HK$5,588/mo
▼ 0.25% · 3.875%
HK$106,210
−HK$2,814/mo
Today · 4.125%
HK$109,024
baseline
▲ 0.50% · 4.625%
HK$114,771
+HK$5,747/mo
Deposit HK$13.59M · loan HK$20.39M · min. income ≈ HK$218,048/mo (50% DSR)
Upfront cash ≈ HK$15.04M (deposit + AVD stamp duty HK$1,444,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,473
−HK$6,803/mo
▼ 0.25% · 3.875%
HK$111,847
−HK$3,429/mo
Today · 4.125%
HK$115,276
baseline
▲ 0.50% · 4.625%
HK$122,290
+HK$7,014/mo
Deposit HK$10.19M · loan HK$23.79M · min. income ≈ HK$230,552/mo (50% DSR)
Upfront cash ≈ HK$11.64M (deposit + AVD stamp duty HK$1,444,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,675
−HK$6,520/mo
▼ 0.25% · 3.875%
HK$123,912
−HK$3,283/mo
Today · 4.125%
HK$127,195
baseline
▲ 0.50% · 4.625%
HK$133,900
+HK$6,705/mo
Deposit HK$10.19M · loan HK$23.79M · min. income ≈ HK$254,390/mo (50% DSR)
Upfront cash ≈ HK$11.64M (deposit + AVD stamp duty HK$1,444,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,466
−HK$8,745/mo
▼ 0.25% · 3.875%
HK$143,804
−HK$4,407/mo
Today · 4.125%
HK$148,211
baseline
▲ 0.50% · 4.625%
HK$157,230
+HK$9,019/mo
Deposit HK$3.40M · loan HK$30.58M · min. income ≈ HK$296,422/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$1,444,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,154
−HK$8,383/mo
▼ 0.25% · 3.875%
HK$159,315
−HK$4,222/mo
Today · 4.125%
HK$163,537
baseline
▲ 0.50% · 4.625%
HK$172,157
+HK$8,620/mo
Deposit HK$3.40M · loan HK$30.58M · min. income ≈ HK$327,074/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$1,444,110 · Scale 2, in force from 26 Feb 2026)