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$77,251
−HK$4,844/mo
▼ 0.25% · 3.875%
HK$79,654
−HK$2,441/mo
Today · 4.125%
HK$82,095
baseline
▲ 0.50% · 4.625%
HK$87,091
+HK$4,996/mo
Deposit HK$16.94M · loan HK$16.94M · min. income ≈ HK$164,190/mo (50% DSR)
Upfront cash ≈ HK$18.38M (deposit + AVD stamp duty HK$1,439,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,941
−HK$4,643/mo
▼ 0.25% · 3.875%
HK$88,246
−HK$2,338/mo
Today · 4.125%
HK$90,584
baseline
▲ 0.50% · 4.625%
HK$95,359
+HK$4,775/mo
Deposit HK$16.94M · loan HK$16.94M · min. income ≈ HK$181,168/mo (50% DSR)
Upfront cash ≈ HK$18.38M (deposit + AVD stamp duty HK$1,439,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,701
−HK$5,813/mo
▼ 0.25% · 3.875%
HK$95,585
−HK$2,929/mo
Today · 4.125%
HK$98,514
baseline
▲ 0.50% · 4.625%
HK$104,509
+HK$5,995/mo
Deposit HK$13.55M · loan HK$20.33M · min. income ≈ HK$197,028/mo (50% DSR)
Upfront cash ≈ HK$14.99M (deposit + AVD stamp duty HK$1,439,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,129
−HK$5,572/mo
▼ 0.25% · 3.875%
HK$105,895
−HK$2,806/mo
Today · 4.125%
HK$108,701
baseline
▲ 0.50% · 4.625%
HK$114,431
+HK$5,730/mo
Deposit HK$13.55M · loan HK$20.33M · min. income ≈ HK$217,402/mo (50% DSR)
Upfront cash ≈ HK$14.99M (deposit + AVD stamp duty HK$1,439,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,151
−HK$6,782/mo
▼ 0.25% · 3.875%
HK$111,516
−HK$3,417/mo
Today · 4.125%
HK$114,933
baseline
▲ 0.50% · 4.625%
HK$121,927
+HK$6,994/mo
Deposit HK$10.16M · loan HK$23.71M · min. income ≈ HK$229,866/mo (50% DSR)
Upfront cash ≈ HK$11.60M (deposit + AVD stamp duty HK$1,439,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,317
−HK$6,501/mo
▼ 0.25% · 3.875%
HK$123,544
−HK$3,274/mo
Today · 4.125%
HK$126,818
baseline
▲ 0.50% · 4.625%
HK$133,502
+HK$6,684/mo
Deposit HK$10.16M · loan HK$23.71M · min. income ≈ HK$253,636/mo (50% DSR)
Upfront cash ≈ HK$11.60M (deposit + AVD stamp duty HK$1,439,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,052
−HK$8,720/mo
▼ 0.25% · 3.875%
HK$143,377
−HK$4,395/mo
Today · 4.125%
HK$147,772
baseline
▲ 0.50% · 4.625%
HK$156,763
+HK$8,991/mo
Deposit HK$3.39M · loan HK$30.49M · min. income ≈ HK$295,544/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$1,439,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,694
−HK$8,357/mo
▼ 0.25% · 3.875%
HK$158,843
−HK$4,208/mo
Today · 4.125%
HK$163,051
baseline
▲ 0.50% · 4.625%
HK$171,646
+HK$8,595/mo
Deposit HK$3.39M · loan HK$30.49M · min. income ≈ HK$326,102/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$1,439,825 · Scale 2, in force from 26 Feb 2026)