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$77,495
−HK$4,860/mo
▼ 0.25% · 3.875%
HK$79,905
−HK$2,450/mo
Today · 4.125%
HK$82,355
baseline
▲ 0.50% · 4.625%
HK$87,366
+HK$5,011/mo
Deposit HK$16.99M · loan HK$16.99M · min. income ≈ HK$164,710/mo (50% DSR)
Upfront cash ≈ HK$18.44M (deposit + AVD stamp duty HK$1,444,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,212
−HK$4,658/mo
▼ 0.25% · 3.875%
HK$88,525
−HK$2,345/mo
Today · 4.125%
HK$90,870
baseline
▲ 0.50% · 4.625%
HK$95,660
+HK$4,790/mo
Deposit HK$16.99M · loan HK$16.99M · min. income ≈ HK$181,740/mo (50% DSR)
Upfront cash ≈ HK$18.44M (deposit + AVD stamp duty HK$1,444,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,994
−HK$5,831/mo
▼ 0.25% · 3.875%
HK$95,887
−HK$2,938/mo
Today · 4.125%
HK$98,825
baseline
▲ 0.50% · 4.625%
HK$104,839
+HK$6,014/mo
Deposit HK$13.59M · loan HK$20.39M · min. income ≈ HK$197,650/mo (50% DSR)
Upfront cash ≈ HK$15.04M (deposit + AVD stamp duty HK$1,444,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,455
−HK$5,589/mo
▼ 0.25% · 3.875%
HK$106,229
−HK$2,815/mo
Today · 4.125%
HK$109,044
baseline
▲ 0.50% · 4.625%
HK$114,792
+HK$5,748/mo
Deposit HK$13.59M · loan HK$20.39M · min. income ≈ HK$218,088/mo (50% DSR)
Upfront cash ≈ HK$15.04M (deposit + AVD stamp duty HK$1,444,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,493
−HK$6,803/mo
▼ 0.25% · 3.875%
HK$111,868
−HK$3,428/mo
Today · 4.125%
HK$115,296
baseline
▲ 0.50% · 4.625%
HK$122,312
+HK$7,016/mo
Deposit HK$10.20M · loan HK$23.79M · min. income ≈ HK$230,592/mo (50% DSR)
Upfront cash ≈ HK$11.64M (deposit + AVD stamp duty HK$1,444,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,697
−HK$6,521/mo
▼ 0.25% · 3.875%
HK$123,934
−HK$3,284/mo
Today · 4.125%
HK$127,218
baseline
▲ 0.50% · 4.625%
HK$133,924
+HK$6,706/mo
Deposit HK$10.20M · loan HK$23.79M · min. income ≈ HK$254,436/mo (50% DSR)
Upfront cash ≈ HK$11.64M (deposit + AVD stamp duty HK$1,444,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,491
−HK$8,747/mo
▼ 0.25% · 3.875%
HK$143,830
−HK$4,408/mo
Today · 4.125%
HK$148,238
baseline
▲ 0.50% · 4.625%
HK$157,258
+HK$9,020/mo
Deposit HK$3.40M · loan HK$30.59M · min. income ≈ HK$296,476/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$1,444,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,182
−HK$8,384/mo
▼ 0.25% · 3.875%
HK$159,344
−HK$4,222/mo
Today · 4.125%
HK$163,566
baseline
▲ 0.50% · 4.625%
HK$172,188
+HK$8,622/mo
Deposit HK$3.40M · loan HK$30.59M · min. income ≈ HK$327,132/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$1,444,371 · Scale 2, in force from 26 Feb 2026)