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$77,391
−HK$4,853/mo
▼ 0.25% · 3.875%
HK$79,798
−HK$2,446/mo
Today · 4.125%
HK$82,244
baseline
▲ 0.50% · 4.625%
HK$87,248
+HK$5,004/mo
Deposit HK$16.97M · loan HK$16.97M · min. income ≈ HK$164,488/mo (50% DSR)
Upfront cash ≈ HK$18.41M (deposit + AVD stamp duty HK$1,442,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,096
−HK$4,652/mo
▼ 0.25% · 3.875%
HK$88,406
−HK$2,342/mo
Today · 4.125%
HK$90,748
baseline
▲ 0.50% · 4.625%
HK$95,531
+HK$4,783/mo
Deposit HK$16.97M · loan HK$16.97M · min. income ≈ HK$181,496/mo (50% DSR)
Upfront cash ≈ HK$18.41M (deposit + AVD stamp duty HK$1,442,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,869
−HK$5,824/mo
▼ 0.25% · 3.875%
HK$95,758
−HK$2,935/mo
Today · 4.125%
HK$98,693
baseline
▲ 0.50% · 4.625%
HK$104,698
+HK$6,005/mo
Deposit HK$13.58M · loan HK$20.36M · min. income ≈ HK$197,386/mo (50% DSR)
Upfront cash ≈ HK$15.02M (deposit + AVD stamp duty HK$1,442,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,316
−HK$5,582/mo
▼ 0.25% · 3.875%
HK$106,087
−HK$2,811/mo
Today · 4.125%
HK$108,898
baseline
▲ 0.50% · 4.625%
HK$114,638
+HK$5,740/mo
Deposit HK$13.58M · loan HK$20.36M · min. income ≈ HK$217,796/mo (50% DSR)
Upfront cash ≈ HK$15.02M (deposit + AVD stamp duty HK$1,442,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,347
−HK$6,794/mo
▼ 0.25% · 3.875%
HK$111,717
−HK$3,424/mo
Today · 4.125%
HK$115,141
baseline
▲ 0.50% · 4.625%
HK$122,148
+HK$7,007/mo
Deposit HK$10.18M · loan HK$23.76M · min. income ≈ HK$230,282/mo (50% DSR)
Upfront cash ≈ HK$11.62M (deposit + AVD stamp duty HK$1,442,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,535
−HK$6,512/mo
▼ 0.25% · 3.875%
HK$123,768
−HK$3,279/mo
Today · 4.125%
HK$127,047
baseline
▲ 0.50% · 4.625%
HK$133,744
+HK$6,697/mo
Deposit HK$10.18M · loan HK$23.76M · min. income ≈ HK$254,094/mo (50% DSR)
Upfront cash ≈ HK$11.62M (deposit + AVD stamp duty HK$1,442,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,303
−HK$8,736/mo
▼ 0.25% · 3.875%
HK$143,637
−HK$4,402/mo
Today · 4.125%
HK$148,039
baseline
▲ 0.50% · 4.625%
HK$157,047
+HK$9,008/mo
Deposit HK$3.39M · loan HK$30.55M · min. income ≈ HK$296,078/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$1,442,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,974
−HK$8,372/mo
▼ 0.25% · 3.875%
HK$159,130
−HK$4,216/mo
Today · 4.125%
HK$163,346
baseline
▲ 0.50% · 4.625%
HK$171,957
+HK$8,611/mo
Deposit HK$3.39M · loan HK$30.55M · min. income ≈ HK$326,692/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$1,442,430 · Scale 2, in force from 26 Feb 2026)