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$77,246
−HK$4,844/mo
▼ 0.25% · 3.875%
HK$79,649
−HK$2,441/mo
Today · 4.125%
HK$82,090
baseline
▲ 0.50% · 4.625%
HK$87,085
+HK$4,995/mo
Deposit HK$16.94M · loan HK$16.94M · min. income ≈ HK$164,180/mo (50% DSR)
Upfront cash ≈ HK$18.38M (deposit + AVD stamp duty HK$1,439,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,936
−HK$4,642/mo
▼ 0.25% · 3.875%
HK$88,240
−HK$2,338/mo
Today · 4.125%
HK$90,578
baseline
▲ 0.50% · 4.625%
HK$95,353
+HK$4,775/mo
Deposit HK$16.94M · loan HK$16.94M · min. income ≈ HK$181,156/mo (50% DSR)
Upfront cash ≈ HK$18.38M (deposit + AVD stamp duty HK$1,439,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,695
−HK$5,813/mo
▼ 0.25% · 3.875%
HK$95,579
−HK$2,929/mo
Today · 4.125%
HK$98,508
baseline
▲ 0.50% · 4.625%
HK$104,502
+HK$5,994/mo
Deposit HK$13.55M · loan HK$20.33M · min. income ≈ HK$197,016/mo (50% DSR)
Upfront cash ≈ HK$14.99M (deposit + AVD stamp duty HK$1,439,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,123
−HK$5,571/mo
▼ 0.25% · 3.875%
HK$105,888
−HK$2,806/mo
Today · 4.125%
HK$108,694
baseline
▲ 0.50% · 4.625%
HK$114,423
+HK$5,729/mo
Deposit HK$13.55M · loan HK$20.33M · min. income ≈ HK$217,388/mo (50% DSR)
Upfront cash ≈ HK$14.99M (deposit + AVD stamp duty HK$1,439,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,145
−HK$6,781/mo
▼ 0.25% · 3.875%
HK$111,508
−HK$3,418/mo
Today · 4.125%
HK$114,926
baseline
▲ 0.50% · 4.625%
HK$121,919
+HK$6,993/mo
Deposit HK$10.16M · loan HK$23.71M · min. income ≈ HK$229,852/mo (50% DSR)
Upfront cash ≈ HK$11.60M (deposit + AVD stamp duty HK$1,439,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,310
−HK$6,500/mo
▼ 0.25% · 3.875%
HK$123,536
−HK$3,274/mo
Today · 4.125%
HK$126,810
baseline
▲ 0.50% · 4.625%
HK$133,494
+HK$6,684/mo
Deposit HK$10.16M · loan HK$23.71M · min. income ≈ HK$253,620/mo (50% DSR)
Upfront cash ≈ HK$11.60M (deposit + AVD stamp duty HK$1,439,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,043
−HK$8,719/mo
▼ 0.25% · 3.875%
HK$143,368
−HK$4,394/mo
Today · 4.125%
HK$147,762
baseline
▲ 0.50% · 4.625%
HK$156,753
+HK$8,991/mo
Deposit HK$3.39M · loan HK$30.49M · min. income ≈ HK$295,524/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$1,439,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,684
−HK$8,357/mo
▼ 0.25% · 3.875%
HK$158,832
−HK$4,209/mo
Today · 4.125%
HK$163,041
baseline
▲ 0.50% · 4.625%
HK$171,635
+HK$8,594/mo
Deposit HK$3.39M · loan HK$30.49M · min. income ≈ HK$326,082/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$1,439,733 · Scale 2, in force from 26 Feb 2026)