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$77,427
−HK$4,856/mo
▼ 0.25% · 3.875%
HK$79,836
−HK$2,447/mo
Today · 4.125%
HK$82,283
baseline
▲ 0.50% · 4.625%
HK$87,290
+HK$5,007/mo
Deposit HK$16.98M · loan HK$16.98M · min. income ≈ HK$164,566/mo (50% DSR)
Upfront cash ≈ HK$18.42M (deposit + AVD stamp duty HK$1,443,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,137
−HK$4,654/mo
▼ 0.25% · 3.875%
HK$88,447
−HK$2,344/mo
Today · 4.125%
HK$90,791
baseline
▲ 0.50% · 4.625%
HK$95,577
+HK$4,786/mo
Deposit HK$16.98M · loan HK$16.98M · min. income ≈ HK$181,582/mo (50% DSR)
Upfront cash ≈ HK$18.42M (deposit + AVD stamp duty HK$1,443,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,913
−HK$5,826/mo
▼ 0.25% · 3.875%
HK$95,803
−HK$2,936/mo
Today · 4.125%
HK$98,739
baseline
▲ 0.50% · 4.625%
HK$104,747
+HK$6,008/mo
Deposit HK$13.58M · loan HK$20.37M · min. income ≈ HK$197,478/mo (50% DSR)
Upfront cash ≈ HK$15.03M (deposit + AVD stamp duty HK$1,443,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,365
−HK$5,584/mo
▼ 0.25% · 3.875%
HK$106,137
−HK$2,812/mo
Today · 4.125%
HK$108,949
baseline
▲ 0.50% · 4.625%
HK$114,692
+HK$5,743/mo
Deposit HK$13.58M · loan HK$20.37M · min. income ≈ HK$217,898/mo (50% DSR)
Upfront cash ≈ HK$15.03M (deposit + AVD stamp duty HK$1,443,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,398
−HK$6,798/mo
▼ 0.25% · 3.875%
HK$111,770
−HK$3,426/mo
Today · 4.125%
HK$115,196
baseline
▲ 0.50% · 4.625%
HK$122,205
+HK$7,009/mo
Deposit HK$10.19M · loan HK$23.77M · min. income ≈ HK$230,392/mo (50% DSR)
Upfront cash ≈ HK$11.63M (deposit + AVD stamp duty HK$1,443,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,592
−HK$6,515/mo
▼ 0.25% · 3.875%
HK$123,826
−HK$3,281/mo
Today · 4.125%
HK$127,107
baseline
▲ 0.50% · 4.625%
HK$133,807
+HK$6,700/mo
Deposit HK$10.19M · loan HK$23.77M · min. income ≈ HK$254,214/mo (50% DSR)
Upfront cash ≈ HK$11.63M (deposit + AVD stamp duty HK$1,443,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,369
−HK$8,740/mo
▼ 0.25% · 3.875%
HK$143,705
−HK$4,404/mo
Today · 4.125%
HK$148,109
baseline
▲ 0.50% · 4.625%
HK$157,121
+HK$9,012/mo
Deposit HK$3.40M · loan HK$30.56M · min. income ≈ HK$296,218/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$1,443,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,047
−HK$8,377/mo
▼ 0.25% · 3.875%
HK$159,205
−HK$4,219/mo
Today · 4.125%
HK$163,424
baseline
▲ 0.50% · 4.625%
HK$172,038
+HK$8,614/mo
Deposit HK$3.40M · loan HK$30.56M · min. income ≈ HK$326,848/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$1,443,113 · Scale 2, in force from 26 Feb 2026)