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$77,372
−HK$4,851/mo
▼ 0.25% · 3.875%
HK$79,778
−HK$2,445/mo
Today · 4.125%
HK$82,223
baseline
▲ 0.50% · 4.625%
HK$87,227
+HK$5,004/mo
Deposit HK$16.97M · loan HK$16.97M · min. income ≈ HK$164,446/mo (50% DSR)
Upfront cash ≈ HK$18.41M (deposit + AVD stamp duty HK$1,442,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,075
−HK$4,650/mo
▼ 0.25% · 3.875%
HK$88,384
−HK$2,341/mo
Today · 4.125%
HK$90,725
baseline
▲ 0.50% · 4.625%
HK$95,508
+HK$4,783/mo
Deposit HK$16.97M · loan HK$16.97M · min. income ≈ HK$181,450/mo (50% DSR)
Upfront cash ≈ HK$18.41M (deposit + AVD stamp duty HK$1,442,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,846
−HK$5,822/mo
▼ 0.25% · 3.875%
HK$95,734
−HK$2,934/mo
Today · 4.125%
HK$98,668
baseline
▲ 0.50% · 4.625%
HK$104,672
+HK$6,004/mo
Deposit HK$13.57M · loan HK$20.36M · min. income ≈ HK$197,336/mo (50% DSR)
Upfront cash ≈ HK$15.01M (deposit + AVD stamp duty HK$1,442,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,290
−HK$5,581/mo
▼ 0.25% · 3.875%
HK$106,060
−HK$2,811/mo
Today · 4.125%
HK$108,871
baseline
▲ 0.50% · 4.625%
HK$114,609
+HK$5,738/mo
Deposit HK$13.57M · loan HK$20.36M · min. income ≈ HK$217,742/mo (50% DSR)
Upfront cash ≈ HK$15.01M (deposit + AVD stamp duty HK$1,442,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,320
−HK$6,793/mo
▼ 0.25% · 3.875%
HK$111,690
−HK$3,423/mo
Today · 4.125%
HK$115,113
baseline
▲ 0.50% · 4.625%
HK$122,117
+HK$7,004/mo
Deposit HK$10.18M · loan HK$23.75M · min. income ≈ HK$230,226/mo (50% DSR)
Upfront cash ≈ HK$11.62M (deposit + AVD stamp duty HK$1,442,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,505
−HK$6,511/mo
▼ 0.25% · 3.875%
HK$123,737
−HK$3,279/mo
Today · 4.125%
HK$127,016
baseline
▲ 0.50% · 4.625%
HK$133,711
+HK$6,695/mo
Deposit HK$10.18M · loan HK$23.75M · min. income ≈ HK$254,032/mo (50% DSR)
Upfront cash ≈ HK$11.62M (deposit + AVD stamp duty HK$1,442,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,269
−HK$8,733/mo
▼ 0.25% · 3.875%
HK$143,601
−HK$4,401/mo
Today · 4.125%
HK$148,002
baseline
▲ 0.50% · 4.625%
HK$157,008
+HK$9,006/mo
Deposit HK$3.39M · loan HK$30.54M · min. income ≈ HK$296,004/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$1,442,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,935
−HK$8,371/mo
▼ 0.25% · 3.875%
HK$159,090
−HK$4,216/mo
Today · 4.125%
HK$163,306
baseline
▲ 0.50% · 4.625%
HK$171,914
+HK$8,608/mo
Deposit HK$3.39M · loan HK$30.54M · min. income ≈ HK$326,612/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$1,442,071 · Scale 2, in force from 26 Feb 2026)