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$77,420
−HK$4,855/mo
▼ 0.25% · 3.875%
HK$79,829
−HK$2,446/mo
Today · 4.125%
HK$82,275
baseline
▲ 0.50% · 4.625%
HK$87,282
+HK$5,007/mo
Deposit HK$16.98M · loan HK$16.98M · min. income ≈ HK$164,550/mo (50% DSR)
Upfront cash ≈ HK$18.42M (deposit + AVD stamp duty HK$1,442,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,129
−HK$4,654/mo
▼ 0.25% · 3.875%
HK$88,439
−HK$2,344/mo
Today · 4.125%
HK$90,783
baseline
▲ 0.50% · 4.625%
HK$95,568
+HK$4,785/mo
Deposit HK$16.98M · loan HK$16.98M · min. income ≈ HK$181,566/mo (50% DSR)
Upfront cash ≈ HK$18.42M (deposit + AVD stamp duty HK$1,442,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,905
−HK$5,825/mo
▼ 0.25% · 3.875%
HK$95,794
−HK$2,936/mo
Today · 4.125%
HK$98,730
baseline
▲ 0.50% · 4.625%
HK$104,738
+HK$6,008/mo
Deposit HK$13.58M · loan HK$20.37M · min. income ≈ HK$197,460/mo (50% DSR)
Upfront cash ≈ HK$15.02M (deposit + AVD stamp duty HK$1,442,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,355
−HK$5,584/mo
▼ 0.25% · 3.875%
HK$106,127
−HK$2,812/mo
Today · 4.125%
HK$108,939
baseline
▲ 0.50% · 4.625%
HK$114,682
+HK$5,743/mo
Deposit HK$13.58M · loan HK$20.37M · min. income ≈ HK$217,878/mo (50% DSR)
Upfront cash ≈ HK$15.02M (deposit + AVD stamp duty HK$1,442,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,389
−HK$6,797/mo
▼ 0.25% · 3.875%
HK$111,760
−HK$3,426/mo
Today · 4.125%
HK$115,186
baseline
▲ 0.50% · 4.625%
HK$122,194
+HK$7,008/mo
Deposit HK$10.19M · loan HK$23.77M · min. income ≈ HK$230,372/mo (50% DSR)
Upfront cash ≈ HK$11.63M (deposit + AVD stamp duty HK$1,442,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,581
−HK$6,515/mo
▼ 0.25% · 3.875%
HK$123,815
−HK$3,281/mo
Today · 4.125%
HK$127,096
baseline
▲ 0.50% · 4.625%
HK$133,795
+HK$6,699/mo
Deposit HK$10.19M · loan HK$23.77M · min. income ≈ HK$254,192/mo (50% DSR)
Upfront cash ≈ HK$11.63M (deposit + AVD stamp duty HK$1,442,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,357
−HK$8,739/mo
▼ 0.25% · 3.875%
HK$143,692
−HK$4,404/mo
Today · 4.125%
HK$148,096
baseline
▲ 0.50% · 4.625%
HK$157,107
+HK$9,011/mo
Deposit HK$3.40M · loan HK$30.56M · min. income ≈ HK$296,192/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$1,442,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,033
−HK$8,376/mo
▼ 0.25% · 3.875%
HK$159,191
−HK$4,218/mo
Today · 4.125%
HK$163,409
baseline
▲ 0.50% · 4.625%
HK$172,022
+HK$8,613/mo
Deposit HK$3.40M · loan HK$30.56M · min. income ≈ HK$326,818/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$1,442,982 · Scale 2, in force from 26 Feb 2026)