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$77,403
−HK$4,854/mo
▼ 0.25% · 3.875%
HK$79,811
−HK$2,446/mo
Today · 4.125%
HK$82,257
baseline
▲ 0.50% · 4.625%
HK$87,262
+HK$5,005/mo
Deposit HK$16.97M · loan HK$16.97M · min. income ≈ HK$164,514/mo (50% DSR)
Upfront cash ≈ HK$18.42M (deposit + AVD stamp duty HK$1,442,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,110
−HK$4,652/mo
▼ 0.25% · 3.875%
HK$88,419
−HK$2,343/mo
Today · 4.125%
HK$90,762
baseline
▲ 0.50% · 4.625%
HK$95,546
+HK$4,784/mo
Deposit HK$16.97M · loan HK$16.97M · min. income ≈ HK$181,524/mo (50% DSR)
Upfront cash ≈ HK$18.42M (deposit + AVD stamp duty HK$1,442,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,883
−HK$5,825/mo
▼ 0.25% · 3.875%
HK$95,773
−HK$2,935/mo
Today · 4.125%
HK$98,708
baseline
▲ 0.50% · 4.625%
HK$104,714
+HK$6,006/mo
Deposit HK$13.58M · loan HK$20.37M · min. income ≈ HK$197,416/mo (50% DSR)
Upfront cash ≈ HK$15.02M (deposit + AVD stamp duty HK$1,442,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,332
−HK$5,583/mo
▼ 0.25% · 3.875%
HK$106,103
−HK$2,812/mo
Today · 4.125%
HK$108,915
baseline
▲ 0.50% · 4.625%
HK$114,656
+HK$5,741/mo
Deposit HK$13.58M · loan HK$20.37M · min. income ≈ HK$217,830/mo (50% DSR)
Upfront cash ≈ HK$15.02M (deposit + AVD stamp duty HK$1,442,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,364
−HK$6,795/mo
▼ 0.25% · 3.875%
HK$111,735
−HK$3,424/mo
Today · 4.125%
HK$115,159
baseline
▲ 0.50% · 4.625%
HK$122,167
+HK$7,008/mo
Deposit HK$10.18M · loan HK$23.76M · min. income ≈ HK$230,318/mo (50% DSR)
Upfront cash ≈ HK$11.63M (deposit + AVD stamp duty HK$1,442,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,554
−HK$6,513/mo
▼ 0.25% · 3.875%
HK$123,787
−HK$3,280/mo
Today · 4.125%
HK$127,067
baseline
▲ 0.50% · 4.625%
HK$133,765
+HK$6,698/mo
Deposit HK$10.18M · loan HK$23.76M · min. income ≈ HK$254,134/mo (50% DSR)
Upfront cash ≈ HK$11.63M (deposit + AVD stamp duty HK$1,442,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,325
−HK$8,737/mo
▼ 0.25% · 3.875%
HK$143,659
−HK$4,403/mo
Today · 4.125%
HK$148,062
baseline
▲ 0.50% · 4.625%
HK$157,071
+HK$9,009/mo
Deposit HK$3.39M · loan HK$30.55M · min. income ≈ HK$296,124/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$1,442,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,998
−HK$8,374/mo
▼ 0.25% · 3.875%
HK$159,155
−HK$4,217/mo
Today · 4.125%
HK$163,372
baseline
▲ 0.50% · 4.625%
HK$171,983
+HK$8,611/mo
Deposit HK$3.39M · loan HK$30.55M · min. income ≈ HK$326,744/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$1,442,655 · Scale 2, in force from 26 Feb 2026)