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$77,470
−HK$4,858/mo
▼ 0.25% · 3.875%
HK$79,879
−HK$2,449/mo
Today · 4.125%
HK$82,328
baseline
▲ 0.50% · 4.625%
HK$87,337
+HK$5,009/mo
Deposit HK$16.99M · loan HK$16.99M · min. income ≈ HK$164,656/mo (50% DSR)
Upfront cash ≈ HK$18.43M (deposit + AVD stamp duty HK$1,443,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,184
−HK$4,656/mo
▼ 0.25% · 3.875%
HK$88,495
−HK$2,345/mo
Today · 4.125%
HK$90,840
baseline
▲ 0.50% · 4.625%
HK$95,629
+HK$4,789/mo
Deposit HK$16.99M · loan HK$16.99M · min. income ≈ HK$181,680/mo (50% DSR)
Upfront cash ≈ HK$18.43M (deposit + AVD stamp duty HK$1,443,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,963
−HK$5,830/mo
▼ 0.25% · 3.875%
HK$95,855
−HK$2,938/mo
Today · 4.125%
HK$98,793
baseline
▲ 0.50% · 4.625%
HK$104,804
+HK$6,011/mo
Deposit HK$13.59M · loan HK$20.38M · min. income ≈ HK$197,586/mo (50% DSR)
Upfront cash ≈ HK$15.03M (deposit + AVD stamp duty HK$1,443,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,421
−HK$5,587/mo
▼ 0.25% · 3.875%
HK$106,195
−HK$2,813/mo
Today · 4.125%
HK$109,008
baseline
▲ 0.50% · 4.625%
HK$114,754
+HK$5,746/mo
Deposit HK$13.59M · loan HK$20.38M · min. income ≈ HK$218,016/mo (50% DSR)
Upfront cash ≈ HK$15.03M (deposit + AVD stamp duty HK$1,443,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,457
−HK$6,802/mo
▼ 0.25% · 3.875%
HK$111,831
−HK$3,428/mo
Today · 4.125%
HK$115,259
baseline
▲ 0.50% · 4.625%
HK$122,272
+HK$7,013/mo
Deposit HK$10.19M · loan HK$23.78M · min. income ≈ HK$230,518/mo (50% DSR)
Upfront cash ≈ HK$11.64M (deposit + AVD stamp duty HK$1,443,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,658
−HK$6,518/mo
▼ 0.25% · 3.875%
HK$123,894
−HK$3,282/mo
Today · 4.125%
HK$127,176
baseline
▲ 0.50% · 4.625%
HK$133,880
+HK$6,704/mo
Deposit HK$10.19M · loan HK$23.78M · min. income ≈ HK$254,352/mo (50% DSR)
Upfront cash ≈ HK$11.64M (deposit + AVD stamp duty HK$1,443,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,445
−HK$8,745/mo
▼ 0.25% · 3.875%
HK$143,783
−HK$4,407/mo
Today · 4.125%
HK$148,190
baseline
▲ 0.50% · 4.625%
HK$157,207
+HK$9,017/mo
Deposit HK$3.40M · loan HK$30.58M · min. income ≈ HK$296,380/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$1,443,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,131
−HK$8,382/mo
▼ 0.25% · 3.875%
HK$159,292
−HK$4,221/mo
Today · 4.125%
HK$163,513
baseline
▲ 0.50% · 4.625%
HK$172,132
+HK$8,619/mo
Deposit HK$3.40M · loan HK$30.58M · min. income ≈ HK$327,026/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$1,443,897 · Scale 2, in force from 26 Feb 2026)