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$77,456
−HK$4,857/mo
▼ 0.25% · 3.875%
HK$79,865
−HK$2,448/mo
Today · 4.125%
HK$82,313
baseline
▲ 0.50% · 4.625%
HK$87,322
+HK$5,009/mo
Deposit HK$16.98M · loan HK$16.98M · min. income ≈ HK$164,626/mo (50% DSR)
Upfront cash ≈ HK$18.43M (deposit + AVD stamp duty HK$1,443,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,169
−HK$4,655/mo
▼ 0.25% · 3.875%
HK$88,480
−HK$2,344/mo
Today · 4.125%
HK$90,824
baseline
▲ 0.50% · 4.625%
HK$95,612
+HK$4,788/mo
Deposit HK$16.98M · loan HK$16.98M · min. income ≈ HK$181,648/mo (50% DSR)
Upfront cash ≈ HK$18.43M (deposit + AVD stamp duty HK$1,443,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,947
−HK$5,829/mo
▼ 0.25% · 3.875%
HK$95,838
−HK$2,938/mo
Today · 4.125%
HK$98,776
baseline
▲ 0.50% · 4.625%
HK$104,786
+HK$6,010/mo
Deposit HK$13.59M · loan HK$20.38M · min. income ≈ HK$197,552/mo (50% DSR)
Upfront cash ≈ HK$15.03M (deposit + AVD stamp duty HK$1,443,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,403
−HK$5,586/mo
▼ 0.25% · 3.875%
HK$106,176
−HK$2,813/mo
Today · 4.125%
HK$108,989
baseline
▲ 0.50% · 4.625%
HK$114,734
+HK$5,745/mo
Deposit HK$13.59M · loan HK$20.38M · min. income ≈ HK$217,978/mo (50% DSR)
Upfront cash ≈ HK$15.03M (deposit + AVD stamp duty HK$1,443,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,438
−HK$6,800/mo
▼ 0.25% · 3.875%
HK$111,811
−HK$3,427/mo
Today · 4.125%
HK$115,238
baseline
▲ 0.50% · 4.625%
HK$122,250
+HK$7,012/mo
Deposit HK$10.19M · loan HK$23.78M · min. income ≈ HK$230,476/mo (50% DSR)
Upfront cash ≈ HK$11.63M (deposit + AVD stamp duty HK$1,443,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,636
−HK$6,518/mo
▼ 0.25% · 3.875%
HK$123,872
−HK$3,282/mo
Today · 4.125%
HK$127,154
baseline
▲ 0.50% · 4.625%
HK$133,856
+HK$6,702/mo
Deposit HK$10.19M · loan HK$23.78M · min. income ≈ HK$254,308/mo (50% DSR)
Upfront cash ≈ HK$11.63M (deposit + AVD stamp duty HK$1,443,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,420
−HK$8,743/mo
▼ 0.25% · 3.875%
HK$143,757
−HK$4,406/mo
Today · 4.125%
HK$148,163
baseline
▲ 0.50% · 4.625%
HK$157,179
+HK$9,016/mo
Deposit HK$3.40M · loan HK$30.57M · min. income ≈ HK$296,326/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$1,443,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,104
−HK$8,380/mo
▼ 0.25% · 3.875%
HK$159,264
−HK$4,220/mo
Today · 4.125%
HK$163,484
baseline
▲ 0.50% · 4.625%
HK$172,101
+HK$8,617/mo
Deposit HK$3.40M · loan HK$30.57M · min. income ≈ HK$326,968/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$1,443,641 · Scale 2, in force from 26 Feb 2026)