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$77,480
−HK$4,859/mo
▼ 0.25% · 3.875%
HK$79,890
−HK$2,449/mo
Today · 4.125%
HK$82,339
baseline
▲ 0.50% · 4.625%
HK$87,349
+HK$5,010/mo
Deposit HK$16.99M · loan HK$16.99M · min. income ≈ HK$164,678/mo (50% DSR)
Upfront cash ≈ HK$18.43M (deposit + AVD stamp duty HK$1,444,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,196
−HK$4,657/mo
▼ 0.25% · 3.875%
HK$88,508
−HK$2,345/mo
Today · 4.125%
HK$90,853
baseline
▲ 0.50% · 4.625%
HK$95,642
+HK$4,789/mo
Deposit HK$16.99M · loan HK$16.99M · min. income ≈ HK$181,706/mo (50% DSR)
Upfront cash ≈ HK$18.43M (deposit + AVD stamp duty HK$1,444,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,976
−HK$5,831/mo
▼ 0.25% · 3.875%
HK$95,868
−HK$2,939/mo
Today · 4.125%
HK$98,807
baseline
▲ 0.50% · 4.625%
HK$104,819
+HK$6,012/mo
Deposit HK$13.59M · loan HK$20.39M · min. income ≈ HK$197,614/mo (50% DSR)
Upfront cash ≈ HK$15.04M (deposit + AVD stamp duty HK$1,444,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,435
−HK$5,589/mo
▼ 0.25% · 3.875%
HK$106,209
−HK$2,815/mo
Today · 4.125%
HK$109,024
baseline
▲ 0.50% · 4.625%
HK$114,770
+HK$5,746/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$1,444,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,472
−HK$6,803/mo
▼ 0.25% · 3.875%
HK$111,846
−HK$3,429/mo
Today · 4.125%
HK$115,275
baseline
▲ 0.50% · 4.625%
HK$122,289
+HK$7,014/mo
Deposit HK$10.19M · loan HK$23.79M · min. income ≈ HK$230,550/mo (50% DSR)
Upfront cash ≈ HK$11.64M (deposit + AVD stamp duty HK$1,444,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,674
−HK$6,520/mo
▼ 0.25% · 3.875%
HK$123,911
−HK$3,283/mo
Today · 4.125%
HK$127,194
baseline
▲ 0.50% · 4.625%
HK$133,899
+HK$6,705/mo
Deposit HK$10.19M · loan HK$23.79M · min. income ≈ HK$254,388/mo (50% DSR)
Upfront cash ≈ HK$11.64M (deposit + AVD stamp duty HK$1,444,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,465
−HK$8,745/mo
▼ 0.25% · 3.875%
HK$143,803
−HK$4,407/mo
Today · 4.125%
HK$148,210
baseline
▲ 0.50% · 4.625%
HK$157,228
+HK$9,018/mo
Deposit HK$3.40M · loan HK$30.58M · min. income ≈ HK$296,420/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$1,444,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,153
−HK$8,382/mo
▼ 0.25% · 3.875%
HK$159,314
−HK$4,221/mo
Today · 4.125%
HK$163,535
baseline
▲ 0.50% · 4.625%
HK$172,155
+HK$8,620/mo
Deposit HK$3.40M · loan HK$30.58M · min. income ≈ HK$327,070/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$1,444,098 · Scale 2, in force from 26 Feb 2026)