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$77,406
−HK$4,854/mo
▼ 0.25% · 3.875%
HK$79,814
−HK$2,446/mo
Today · 4.125%
HK$82,260
baseline
▲ 0.50% · 4.625%
HK$87,265
+HK$5,005/mo
Deposit HK$16.97M · loan HK$16.97M · min. income ≈ HK$164,520/mo (50% DSR)
Upfront cash ≈ HK$18.42M (deposit + AVD stamp duty HK$1,442,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,113
−HK$4,653/mo
▼ 0.25% · 3.875%
HK$88,423
−HK$2,343/mo
Today · 4.125%
HK$90,766
baseline
▲ 0.50% · 4.625%
HK$95,550
+HK$4,784/mo
Deposit HK$16.97M · loan HK$16.97M · min. income ≈ HK$181,532/mo (50% DSR)
Upfront cash ≈ HK$18.42M (deposit + AVD stamp duty HK$1,442,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,887
−HK$5,825/mo
▼ 0.25% · 3.875%
HK$95,777
−HK$2,935/mo
Today · 4.125%
HK$98,712
baseline
▲ 0.50% · 4.625%
HK$104,718
+HK$6,006/mo
Deposit HK$13.58M · loan HK$20.37M · min. income ≈ HK$197,424/mo (50% DSR)
Upfront cash ≈ HK$15.02M (deposit + AVD stamp duty HK$1,442,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,336
−HK$5,583/mo
▼ 0.25% · 3.875%
HK$106,108
−HK$2,811/mo
Today · 4.125%
HK$108,919
baseline
▲ 0.50% · 4.625%
HK$114,660
+HK$5,741/mo
Deposit HK$13.58M · loan HK$20.37M · min. income ≈ HK$217,838/mo (50% DSR)
Upfront cash ≈ HK$15.02M (deposit + AVD stamp duty HK$1,442,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,368
−HK$6,796/mo
▼ 0.25% · 3.875%
HK$111,739
−HK$3,425/mo
Today · 4.125%
HK$115,164
baseline
▲ 0.50% · 4.625%
HK$122,172
+HK$7,008/mo
Deposit HK$10.18M · loan HK$23.76M · min. income ≈ HK$230,328/mo (50% DSR)
Upfront cash ≈ HK$11.63M (deposit + AVD stamp duty HK$1,442,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,559
−HK$6,513/mo
▼ 0.25% · 3.875%
HK$123,792
−HK$3,280/mo
Today · 4.125%
HK$127,072
baseline
▲ 0.50% · 4.625%
HK$133,770
+HK$6,698/mo
Deposit HK$10.18M · loan HK$23.76M · min. income ≈ HK$254,144/mo (50% DSR)
Upfront cash ≈ HK$11.63M (deposit + AVD stamp duty HK$1,442,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,331
−HK$8,737/mo
▼ 0.25% · 3.875%
HK$143,665
−HK$4,403/mo
Today · 4.125%
HK$148,068
baseline
▲ 0.50% · 4.625%
HK$157,078
+HK$9,010/mo
Deposit HK$3.39M · loan HK$30.55M · min. income ≈ HK$296,136/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$1,442,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,004
−HK$8,375/mo
▼ 0.25% · 3.875%
HK$159,161
−HK$4,218/mo
Today · 4.125%
HK$163,379
baseline
▲ 0.50% · 4.625%
HK$171,991
+HK$8,612/mo
Deposit HK$3.39M · loan HK$30.55M · min. income ≈ HK$326,758/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$1,442,714 · Scale 2, in force from 26 Feb 2026)