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$77,269
−HK$4,846/mo
▼ 0.25% · 3.875%
HK$79,673
−HK$2,442/mo
Today · 4.125%
HK$82,115
baseline
▲ 0.50% · 4.625%
HK$87,111
+HK$4,996/mo
Deposit HK$16.94M · loan HK$16.94M · min. income ≈ HK$164,230/mo (50% DSR)
Upfront cash ≈ HK$18.38M (deposit + AVD stamp duty HK$1,440,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,961
−HK$4,644/mo
▼ 0.25% · 3.875%
HK$88,267
−HK$2,338/mo
Today · 4.125%
HK$90,605
baseline
▲ 0.50% · 4.625%
HK$95,381
+HK$4,776/mo
Deposit HK$16.94M · loan HK$16.94M · min. income ≈ HK$181,210/mo (50% DSR)
Upfront cash ≈ HK$18.38M (deposit + AVD stamp duty HK$1,440,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,723
−HK$5,814/mo
▼ 0.25% · 3.875%
HK$95,607
−HK$2,930/mo
Today · 4.125%
HK$98,537
baseline
▲ 0.50% · 4.625%
HK$104,533
+HK$5,996/mo
Deposit HK$13.55M · loan HK$20.33M · min. income ≈ HK$197,074/mo (50% DSR)
Upfront cash ≈ HK$14.99M (deposit + AVD stamp duty HK$1,440,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,153
−HK$5,573/mo
▼ 0.25% · 3.875%
HK$105,920
−HK$2,806/mo
Today · 4.125%
HK$108,726
baseline
▲ 0.50% · 4.625%
HK$114,458
+HK$5,732/mo
Deposit HK$13.55M · loan HK$20.33M · min. income ≈ HK$217,452/mo (50% DSR)
Upfront cash ≈ HK$14.99M (deposit + AVD stamp duty HK$1,440,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,177
−HK$6,783/mo
▼ 0.25% · 3.875%
HK$111,542
−HK$3,418/mo
Today · 4.125%
HK$114,960
baseline
▲ 0.50% · 4.625%
HK$121,955
+HK$6,995/mo
Deposit HK$10.17M · loan HK$23.72M · min. income ≈ HK$229,920/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$1,440,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,346
−HK$6,501/mo
▼ 0.25% · 3.875%
HK$123,573
−HK$3,274/mo
Today · 4.125%
HK$126,847
baseline
▲ 0.50% · 4.625%
HK$133,534
+HK$6,687/mo
Deposit HK$10.17M · loan HK$23.72M · min. income ≈ HK$253,694/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$1,440,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,084
−HK$8,722/mo
▼ 0.25% · 3.875%
HK$143,411
−HK$4,395/mo
Today · 4.125%
HK$147,806
baseline
▲ 0.50% · 4.625%
HK$156,800
+HK$8,994/mo
Deposit HK$3.39M · loan HK$30.50M · min. income ≈ HK$295,612/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$1,440,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,730
−HK$8,360/mo
▼ 0.25% · 3.875%
HK$158,880
−HK$4,210/mo
Today · 4.125%
HK$163,090
baseline
▲ 0.50% · 4.625%
HK$171,686
+HK$8,596/mo
Deposit HK$3.39M · loan HK$30.50M · min. income ≈ HK$326,180/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$1,440,162 · Scale 2, in force from 26 Feb 2026)