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$77,377
−HK$4,852/mo
▼ 0.25% · 3.875%
HK$79,783
−HK$2,446/mo
Today · 4.125%
HK$82,229
baseline
▲ 0.50% · 4.625%
HK$87,232
+HK$5,003/mo
Deposit HK$16.97M · loan HK$16.97M · min. income ≈ HK$164,458/mo (50% DSR)
Upfront cash ≈ HK$18.41M (deposit + AVD stamp duty HK$1,442,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,081
−HK$4,650/mo
▼ 0.25% · 3.875%
HK$88,389
−HK$2,342/mo
Today · 4.125%
HK$90,731
baseline
▲ 0.50% · 4.625%
HK$95,514
+HK$4,783/mo
Deposit HK$16.97M · loan HK$16.97M · min. income ≈ HK$181,462/mo (50% DSR)
Upfront cash ≈ HK$18.41M (deposit + AVD stamp duty HK$1,442,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,852
−HK$5,822/mo
▼ 0.25% · 3.875%
HK$95,740
−HK$2,934/mo
Today · 4.125%
HK$98,674
baseline
▲ 0.50% · 4.625%
HK$104,679
+HK$6,005/mo
Deposit HK$13.57M · loan HK$20.36M · min. income ≈ HK$197,348/mo (50% DSR)
Upfront cash ≈ HK$15.02M (deposit + AVD stamp duty HK$1,442,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,297
−HK$5,581/mo
▼ 0.25% · 3.875%
HK$106,067
−HK$2,811/mo
Today · 4.125%
HK$108,878
baseline
▲ 0.50% · 4.625%
HK$114,617
+HK$5,739/mo
Deposit HK$13.57M · loan HK$20.36M · min. income ≈ HK$217,756/mo (50% DSR)
Upfront cash ≈ HK$15.02M (deposit + AVD stamp duty HK$1,442,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,327
−HK$6,793/mo
▼ 0.25% · 3.875%
HK$111,697
−HK$3,423/mo
Today · 4.125%
HK$115,120
baseline
▲ 0.50% · 4.625%
HK$122,125
+HK$7,005/mo
Deposit HK$10.18M · loan HK$23.75M · min. income ≈ HK$230,240/mo (50% DSR)
Upfront cash ≈ HK$11.62M (deposit + AVD stamp duty HK$1,442,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,513
−HK$6,511/mo
▼ 0.25% · 3.875%
HK$123,745
−HK$3,279/mo
Today · 4.125%
HK$127,024
baseline
▲ 0.50% · 4.625%
HK$133,719
+HK$6,695/mo
Deposit HK$10.18M · loan HK$23.75M · min. income ≈ HK$254,048/mo (50% DSR)
Upfront cash ≈ HK$11.62M (deposit + AVD stamp duty HK$1,442,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,278
−HK$8,734/mo
▼ 0.25% · 3.875%
HK$143,610
−HK$4,402/mo
Today · 4.125%
HK$148,012
baseline
▲ 0.50% · 4.625%
HK$157,018
+HK$9,006/mo
Deposit HK$3.39M · loan HK$30.54M · min. income ≈ HK$296,024/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$1,442,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,945
−HK$8,371/mo
▼ 0.25% · 3.875%
HK$159,101
−HK$4,215/mo
Today · 4.125%
HK$163,316
baseline
▲ 0.50% · 4.625%
HK$171,925
+HK$8,609/mo
Deposit HK$3.39M · loan HK$30.54M · min. income ≈ HK$326,632/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$1,442,164 · Scale 2, in force from 26 Feb 2026)