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$77,222
−HK$4,842/mo
▼ 0.25% · 3.875%
HK$79,624
−HK$2,440/mo
Today · 4.125%
HK$82,064
baseline
▲ 0.50% · 4.625%
HK$87,058
+HK$4,994/mo
Deposit HK$16.93M · loan HK$16.93M · min. income ≈ HK$164,128/mo (50% DSR)
Upfront cash ≈ HK$18.37M (deposit + AVD stamp duty HK$1,439,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,908
−HK$4,642/mo
▼ 0.25% · 3.875%
HK$88,212
−HK$2,338/mo
Today · 4.125%
HK$90,550
baseline
▲ 0.50% · 4.625%
HK$95,323
+HK$4,773/mo
Deposit HK$16.93M · loan HK$16.93M · min. income ≈ HK$181,100/mo (50% DSR)
Upfront cash ≈ HK$18.37M (deposit + AVD stamp duty HK$1,439,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,666
−HK$5,811/mo
▼ 0.25% · 3.875%
HK$95,549
−HK$2,928/mo
Today · 4.125%
HK$98,477
baseline
▲ 0.50% · 4.625%
HK$104,469
+HK$5,992/mo
Deposit HK$13.55M · loan HK$20.32M · min. income ≈ HK$196,954/mo (50% DSR)
Upfront cash ≈ HK$14.99M (deposit + AVD stamp duty HK$1,439,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,090
−HK$5,570/mo
▼ 0.25% · 3.875%
HK$105,855
−HK$2,805/mo
Today · 4.125%
HK$108,660
baseline
▲ 0.50% · 4.625%
HK$114,387
+HK$5,727/mo
Deposit HK$13.55M · loan HK$20.32M · min. income ≈ HK$217,320/mo (50% DSR)
Upfront cash ≈ HK$14.99M (deposit + AVD stamp duty HK$1,439,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,110
−HK$6,780/mo
▼ 0.25% · 3.875%
HK$111,473
−HK$3,417/mo
Today · 4.125%
HK$114,890
baseline
▲ 0.50% · 4.625%
HK$121,881
+HK$6,991/mo
Deposit HK$10.16M · loan HK$23.71M · min. income ≈ HK$229,780/mo (50% DSR)
Upfront cash ≈ HK$11.60M (deposit + AVD stamp duty HK$1,439,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,272
−HK$6,498/mo
▼ 0.25% · 3.875%
HK$123,497
−HK$3,273/mo
Today · 4.125%
HK$126,770
baseline
▲ 0.50% · 4.625%
HK$133,452
+HK$6,682/mo
Deposit HK$10.16M · loan HK$23.71M · min. income ≈ HK$253,540/mo (50% DSR)
Upfront cash ≈ HK$11.60M (deposit + AVD stamp duty HK$1,439,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,999
−HK$8,717/mo
▼ 0.25% · 3.875%
HK$143,323
−HK$4,393/mo
Today · 4.125%
HK$147,716
baseline
▲ 0.50% · 4.625%
HK$156,704
+HK$8,988/mo
Deposit HK$3.39M · loan HK$30.48M · min. income ≈ HK$295,432/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$1,439,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,635
−HK$8,355/mo
▼ 0.25% · 3.875%
HK$158,782
−HK$4,208/mo
Today · 4.125%
HK$162,990
baseline
▲ 0.50% · 4.625%
HK$171,581
+HK$8,591/mo
Deposit HK$3.39M · loan HK$30.48M · min. income ≈ HK$325,980/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$1,439,279 · Scale 2, in force from 26 Feb 2026)