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$77,419
−HK$4,855/mo
▼ 0.25% · 3.875%
HK$79,828
−HK$2,446/mo
Today · 4.125%
HK$82,274
baseline
▲ 0.50% · 4.625%
HK$87,281
+HK$5,007/mo
Deposit HK$16.98M · loan HK$16.98M · min. income ≈ HK$164,548/mo (50% DSR)
Upfront cash ≈ HK$18.42M (deposit + AVD stamp duty HK$1,442,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,128
−HK$4,654/mo
▼ 0.25% · 3.875%
HK$88,438
−HK$2,344/mo
Today · 4.125%
HK$90,782
baseline
▲ 0.50% · 4.625%
HK$95,567
+HK$4,785/mo
Deposit HK$16.98M · loan HK$16.98M · min. income ≈ HK$181,564/mo (50% DSR)
Upfront cash ≈ HK$18.42M (deposit + AVD stamp duty HK$1,442,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,903
−HK$5,826/mo
▼ 0.25% · 3.875%
HK$95,793
−HK$2,936/mo
Today · 4.125%
HK$98,729
baseline
▲ 0.50% · 4.625%
HK$104,737
+HK$6,008/mo
Deposit HK$13.58M · loan HK$20.37M · min. income ≈ HK$197,458/mo (50% DSR)
Upfront cash ≈ HK$15.02M (deposit + AVD stamp duty HK$1,442,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,354
−HK$5,584/mo
▼ 0.25% · 3.875%
HK$106,126
−HK$2,812/mo
Today · 4.125%
HK$108,938
baseline
▲ 0.50% · 4.625%
HK$114,680
+HK$5,742/mo
Deposit HK$13.58M · loan HK$20.37M · min. income ≈ HK$217,876/mo (50% DSR)
Upfront cash ≈ HK$15.02M (deposit + AVD stamp duty HK$1,442,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,387
−HK$6,797/mo
▼ 0.25% · 3.875%
HK$111,759
−HK$3,425/mo
Today · 4.125%
HK$115,184
baseline
▲ 0.50% · 4.625%
HK$122,193
+HK$7,009/mo
Deposit HK$10.19M · loan HK$23.77M · min. income ≈ HK$230,368/mo (50% DSR)
Upfront cash ≈ HK$11.63M (deposit + AVD stamp duty HK$1,442,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,580
−HK$6,514/mo
▼ 0.25% · 3.875%
HK$123,814
−HK$3,280/mo
Today · 4.125%
HK$127,094
baseline
▲ 0.50% · 4.625%
HK$133,794
+HK$6,700/mo
Deposit HK$10.19M · loan HK$23.77M · min. income ≈ HK$254,188/mo (50% DSR)
Upfront cash ≈ HK$11.63M (deposit + AVD stamp duty HK$1,442,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,355
−HK$8,739/mo
▼ 0.25% · 3.875%
HK$143,690
−HK$4,404/mo
Today · 4.125%
HK$148,094
baseline
▲ 0.50% · 4.625%
HK$157,105
+HK$9,011/mo
Deposit HK$3.40M · loan HK$30.56M · min. income ≈ HK$296,188/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$1,442,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,031
−HK$8,376/mo
▼ 0.25% · 3.875%
HK$159,189
−HK$4,218/mo
Today · 4.125%
HK$163,407
baseline
▲ 0.50% · 4.625%
HK$172,020
+HK$8,613/mo
Deposit HK$3.40M · loan HK$30.56M · min. income ≈ HK$326,814/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$1,442,964 · Scale 2, in force from 26 Feb 2026)