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$77,336
−HK$4,849/mo
▼ 0.25% · 3.875%
HK$79,741
−HK$2,444/mo
Today · 4.125%
HK$82,185
baseline
▲ 0.50% · 4.625%
HK$87,186
+HK$5,001/mo
Deposit HK$16.96M · loan HK$16.96M · min. income ≈ HK$164,370/mo (50% DSR)
Upfront cash ≈ HK$18.40M (deposit + AVD stamp duty HK$1,441,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,035
−HK$4,648/mo
▼ 0.25% · 3.875%
HK$88,342
−HK$2,341/mo
Today · 4.125%
HK$90,683
baseline
▲ 0.50% · 4.625%
HK$95,463
+HK$4,780/mo
Deposit HK$16.96M · loan HK$16.96M · min. income ≈ HK$181,366/mo (50% DSR)
Upfront cash ≈ HK$18.40M (deposit + AVD stamp duty HK$1,441,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,803
−HK$5,819/mo
▼ 0.25% · 3.875%
HK$95,689
−HK$2,933/mo
Today · 4.125%
HK$98,622
baseline
▲ 0.50% · 4.625%
HK$104,623
+HK$6,001/mo
Deposit HK$13.57M · loan HK$20.35M · min. income ≈ HK$197,244/mo (50% DSR)
Upfront cash ≈ HK$15.01M (deposit + AVD stamp duty HK$1,441,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,242
−HK$5,578/mo
▼ 0.25% · 3.875%
HK$106,011
−HK$2,809/mo
Today · 4.125%
HK$108,820
baseline
▲ 0.50% · 4.625%
HK$114,556
+HK$5,736/mo
Deposit HK$13.57M · loan HK$20.35M · min. income ≈ HK$217,640/mo (50% DSR)
Upfront cash ≈ HK$15.01M (deposit + AVD stamp duty HK$1,441,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,270
−HK$6,789/mo
▼ 0.25% · 3.875%
HK$111,638
−HK$3,421/mo
Today · 4.125%
HK$115,059
baseline
▲ 0.50% · 4.625%
HK$122,060
+HK$7,001/mo
Deposit HK$10.17M · loan HK$23.74M · min. income ≈ HK$230,118/mo (50% DSR)
Upfront cash ≈ HK$11.62M (deposit + AVD stamp duty HK$1,441,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,449
−HK$6,508/mo
▼ 0.25% · 3.875%
HK$123,679
−HK$3,278/mo
Today · 4.125%
HK$126,957
baseline
▲ 0.50% · 4.625%
HK$133,649
+HK$6,692/mo
Deposit HK$10.17M · loan HK$23.74M · min. income ≈ HK$253,914/mo (50% DSR)
Upfront cash ≈ HK$11.62M (deposit + AVD stamp duty HK$1,441,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,204
−HK$8,729/mo
▼ 0.25% · 3.875%
HK$143,534
−HK$4,399/mo
Today · 4.125%
HK$147,933
baseline
▲ 0.50% · 4.625%
HK$156,935
+HK$9,002/mo
Deposit HK$3.39M · loan HK$30.52M · min. income ≈ HK$295,866/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$1,441,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,863
−HK$8,367/mo
▼ 0.25% · 3.875%
HK$159,016
−HK$4,214/mo
Today · 4.125%
HK$163,230
baseline
▲ 0.50% · 4.625%
HK$171,834
+HK$8,604/mo
Deposit HK$3.39M · loan HK$30.52M · min. income ≈ HK$326,460/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$1,441,401 · Scale 2, in force from 26 Feb 2026)