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$77,404
−HK$4,854/mo
▼ 0.25% · 3.875%
HK$79,812
−HK$2,446/mo
Today · 4.125%
HK$82,258
baseline
▲ 0.50% · 4.625%
HK$87,263
+HK$5,005/mo
Deposit HK$16.97M · loan HK$16.97M · min. income ≈ HK$164,516/mo (50% DSR)
Upfront cash ≈ HK$18.42M (deposit + AVD stamp duty HK$1,442,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,111
−HK$4,652/mo
▼ 0.25% · 3.875%
HK$88,421
−HK$2,342/mo
Today · 4.125%
HK$90,763
baseline
▲ 0.50% · 4.625%
HK$95,548
+HK$4,785/mo
Deposit HK$16.97M · loan HK$16.97M · min. income ≈ HK$181,526/mo (50% DSR)
Upfront cash ≈ HK$18.42M (deposit + AVD stamp duty HK$1,442,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,885
−HK$5,824/mo
▼ 0.25% · 3.875%
HK$95,774
−HK$2,935/mo
Today · 4.125%
HK$98,709
baseline
▲ 0.50% · 4.625%
HK$104,716
+HK$6,007/mo
Deposit HK$13.58M · loan HK$20.37M · min. income ≈ HK$197,418/mo (50% DSR)
Upfront cash ≈ HK$15.02M (deposit + AVD stamp duty HK$1,442,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,333
−HK$5,583/mo
▼ 0.25% · 3.875%
HK$106,105
−HK$2,811/mo
Today · 4.125%
HK$108,916
baseline
▲ 0.50% · 4.625%
HK$114,657
+HK$5,741/mo
Deposit HK$13.58M · loan HK$20.37M · min. income ≈ HK$217,832/mo (50% DSR)
Upfront cash ≈ HK$15.02M (deposit + AVD stamp duty HK$1,442,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,366
−HK$6,795/mo
▼ 0.25% · 3.875%
HK$111,736
−HK$3,425/mo
Today · 4.125%
HK$115,161
baseline
▲ 0.50% · 4.625%
HK$122,168
+HK$7,007/mo
Deposit HK$10.18M · loan HK$23.76M · min. income ≈ HK$230,322/mo (50% DSR)
Upfront cash ≈ HK$11.63M (deposit + AVD stamp duty HK$1,442,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,556
−HK$6,513/mo
▼ 0.25% · 3.875%
HK$123,789
−HK$3,280/mo
Today · 4.125%
HK$127,069
baseline
▲ 0.50% · 4.625%
HK$133,767
+HK$6,698/mo
Deposit HK$10.18M · loan HK$23.76M · min. income ≈ HK$254,138/mo (50% DSR)
Upfront cash ≈ HK$11.63M (deposit + AVD stamp duty HK$1,442,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,327
−HK$8,737/mo
▼ 0.25% · 3.875%
HK$143,661
−HK$4,403/mo
Today · 4.125%
HK$148,064
baseline
▲ 0.50% · 4.625%
HK$157,073
+HK$9,009/mo
Deposit HK$3.39M · loan HK$30.55M · min. income ≈ HK$296,128/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$1,442,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,000
−HK$8,374/mo
▼ 0.25% · 3.875%
HK$159,157
−HK$4,217/mo
Today · 4.125%
HK$163,374
baseline
▲ 0.50% · 4.625%
HK$171,986
+HK$8,612/mo
Deposit HK$3.39M · loan HK$30.55M · min. income ≈ HK$326,748/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$1,442,675 · Scale 2, in force from 26 Feb 2026)