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$77,202
−HK$4,842/mo
▼ 0.25% · 3.875%
HK$79,604
−HK$2,440/mo
Today · 4.125%
HK$82,044
baseline
▲ 0.50% · 4.625%
HK$87,036
+HK$4,992/mo
Deposit HK$16.93M · loan HK$16.93M · min. income ≈ HK$164,088/mo (50% DSR)
Upfront cash ≈ HK$18.37M (deposit + AVD stamp duty HK$1,438,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,887
−HK$4,640/mo
▼ 0.25% · 3.875%
HK$88,190
−HK$2,337/mo
Today · 4.125%
HK$90,527
baseline
▲ 0.50% · 4.625%
HK$95,299
+HK$4,772/mo
Deposit HK$16.93M · loan HK$16.93M · min. income ≈ HK$181,054/mo (50% DSR)
Upfront cash ≈ HK$18.37M (deposit + AVD stamp duty HK$1,438,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,643
−HK$5,809/mo
▼ 0.25% · 3.875%
HK$95,525
−HK$2,927/mo
Today · 4.125%
HK$98,452
baseline
▲ 0.50% · 4.625%
HK$104,443
+HK$5,991/mo
Deposit HK$13.54M · loan HK$20.31M · min. income ≈ HK$196,904/mo (50% DSR)
Upfront cash ≈ HK$14.98M (deposit + AVD stamp duty HK$1,438,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,064
−HK$5,569/mo
▼ 0.25% · 3.875%
HK$105,828
−HK$2,805/mo
Today · 4.125%
HK$108,633
baseline
▲ 0.50% · 4.625%
HK$114,359
+HK$5,726/mo
Deposit HK$13.54M · loan HK$20.31M · min. income ≈ HK$217,266/mo (50% DSR)
Upfront cash ≈ HK$14.98M (deposit + AVD stamp duty HK$1,438,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,083
−HK$6,778/mo
▼ 0.25% · 3.875%
HK$111,445
−HK$3,416/mo
Today · 4.125%
HK$114,861
baseline
▲ 0.50% · 4.625%
HK$121,850
+HK$6,989/mo
Deposit HK$10.16M · loan HK$23.70M · min. income ≈ HK$229,722/mo (50% DSR)
Upfront cash ≈ HK$11.60M (deposit + AVD stamp duty HK$1,438,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,242
−HK$6,496/mo
▼ 0.25% · 3.875%
HK$123,466
−HK$3,272/mo
Today · 4.125%
HK$126,738
baseline
▲ 0.50% · 4.625%
HK$133,418
+HK$6,680/mo
Deposit HK$10.16M · loan HK$23.70M · min. income ≈ HK$253,476/mo (50% DSR)
Upfront cash ≈ HK$11.60M (deposit + AVD stamp duty HK$1,438,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,964
−HK$8,715/mo
▼ 0.25% · 3.875%
HK$143,287
−HK$4,392/mo
Today · 4.125%
HK$147,679
baseline
▲ 0.50% · 4.625%
HK$156,664
+HK$8,985/mo
Deposit HK$3.39M · loan HK$30.47M · min. income ≈ HK$295,358/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$1,438,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,596
−HK$8,353/mo
▼ 0.25% · 3.875%
HK$158,743
−HK$4,206/mo
Today · 4.125%
HK$162,949
baseline
▲ 0.50% · 4.625%
HK$171,538
+HK$8,589/mo
Deposit HK$3.39M · loan HK$30.47M · min. income ≈ HK$325,898/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$1,438,918 · Scale 2, in force from 26 Feb 2026)