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$77,224
−HK$4,843/mo
▼ 0.25% · 3.875%
HK$79,627
−HK$2,440/mo
Today · 4.125%
HK$82,067
baseline
▲ 0.50% · 4.625%
HK$87,061
+HK$4,994/mo
Deposit HK$16.93M · loan HK$16.93M · min. income ≈ HK$164,134/mo (50% DSR)
Upfront cash ≈ HK$18.37M (deposit + AVD stamp duty HK$1,439,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,911
−HK$4,642/mo
▼ 0.25% · 3.875%
HK$88,216
−HK$2,337/mo
Today · 4.125%
HK$90,553
baseline
▲ 0.50% · 4.625%
HK$95,326
+HK$4,773/mo
Deposit HK$16.93M · loan HK$16.93M · min. income ≈ HK$181,106/mo (50% DSR)
Upfront cash ≈ HK$18.37M (deposit + AVD stamp duty HK$1,439,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,669
−HK$5,812/mo
▼ 0.25% · 3.875%
HK$95,552
−HK$2,929/mo
Today · 4.125%
HK$98,481
baseline
▲ 0.50% · 4.625%
HK$104,473
+HK$5,992/mo
Deposit HK$13.55M · loan HK$20.32M · min. income ≈ HK$196,962/mo (50% DSR)
Upfront cash ≈ HK$14.99M (deposit + AVD stamp duty HK$1,439,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,094
−HK$5,570/mo
▼ 0.25% · 3.875%
HK$105,859
−HK$2,805/mo
Today · 4.125%
HK$108,664
baseline
▲ 0.50% · 4.625%
HK$114,391
+HK$5,727/mo
Deposit HK$13.55M · loan HK$20.32M · min. income ≈ HK$217,328/mo (50% DSR)
Upfront cash ≈ HK$14.99M (deposit + AVD stamp duty HK$1,439,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,114
−HK$6,780/mo
▼ 0.25% · 3.875%
HK$111,477
−HK$3,417/mo
Today · 4.125%
HK$114,894
baseline
▲ 0.50% · 4.625%
HK$121,885
+HK$6,991/mo
Deposit HK$10.16M · loan HK$23.71M · min. income ≈ HK$229,788/mo (50% DSR)
Upfront cash ≈ HK$11.60M (deposit + AVD stamp duty HK$1,439,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,276
−HK$6,498/mo
▼ 0.25% · 3.875%
HK$123,502
−HK$3,272/mo
Today · 4.125%
HK$126,774
baseline
▲ 0.50% · 4.625%
HK$133,457
+HK$6,683/mo
Deposit HK$10.16M · loan HK$23.71M · min. income ≈ HK$253,548/mo (50% DSR)
Upfront cash ≈ HK$11.60M (deposit + AVD stamp duty HK$1,439,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,004
−HK$8,717/mo
▼ 0.25% · 3.875%
HK$143,328
−HK$4,393/mo
Today · 4.125%
HK$147,721
baseline
▲ 0.50% · 4.625%
HK$156,709
+HK$8,988/mo
Deposit HK$3.39M · loan HK$30.48M · min. income ≈ HK$295,442/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$1,439,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,641
−HK$8,354/mo
▼ 0.25% · 3.875%
HK$158,788
−HK$4,207/mo
Today · 4.125%
HK$162,995
baseline
▲ 0.50% · 4.625%
HK$171,587
+HK$8,592/mo
Deposit HK$3.39M · loan HK$30.48M · min. income ≈ HK$325,990/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$1,439,330 · Scale 2, in force from 26 Feb 2026)