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$77,181
−HK$4,840/mo
▼ 0.25% · 3.875%
HK$79,581
−HK$2,440/mo
Today · 4.125%
HK$82,021
baseline
▲ 0.50% · 4.625%
HK$87,011
+HK$4,990/mo
Deposit HK$16.92M · loan HK$16.92M · min. income ≈ HK$164,042/mo (50% DSR)
Upfront cash ≈ HK$18.36M (deposit + AVD stamp duty HK$1,438,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,863
−HK$4,639/mo
▼ 0.25% · 3.875%
HK$88,165
−HK$2,337/mo
Today · 4.125%
HK$90,502
baseline
▲ 0.50% · 4.625%
HK$95,272
+HK$4,770/mo
Deposit HK$16.92M · loan HK$16.92M · min. income ≈ HK$181,004/mo (50% DSR)
Upfront cash ≈ HK$18.36M (deposit + AVD stamp duty HK$1,438,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,617
−HK$5,808/mo
▼ 0.25% · 3.875%
HK$95,498
−HK$2,927/mo
Today · 4.125%
HK$98,425
baseline
▲ 0.50% · 4.625%
HK$104,414
+HK$5,989/mo
Deposit HK$13.54M · loan HK$20.31M · min. income ≈ HK$196,850/mo (50% DSR)
Upfront cash ≈ HK$14.98M (deposit + AVD stamp duty HK$1,438,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,035
−HK$5,567/mo
▼ 0.25% · 3.875%
HK$105,799
−HK$2,803/mo
Today · 4.125%
HK$108,602
baseline
▲ 0.50% · 4.625%
HK$114,326
+HK$5,724/mo
Deposit HK$13.54M · loan HK$20.31M · min. income ≈ HK$217,204/mo (50% DSR)
Upfront cash ≈ HK$14.98M (deposit + AVD stamp duty HK$1,438,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,053
−HK$6,776/mo
▼ 0.25% · 3.875%
HK$111,414
−HK$3,415/mo
Today · 4.125%
HK$114,829
baseline
▲ 0.50% · 4.625%
HK$121,816
+HK$6,987/mo
Deposit HK$10.15M · loan HK$23.69M · min. income ≈ HK$229,658/mo (50% DSR)
Upfront cash ≈ HK$11.59M (deposit + AVD stamp duty HK$1,438,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,208
−HK$6,494/mo
▼ 0.25% · 3.875%
HK$123,432
−HK$3,270/mo
Today · 4.125%
HK$126,702
baseline
▲ 0.50% · 4.625%
HK$133,381
+HK$6,679/mo
Deposit HK$10.15M · loan HK$23.69M · min. income ≈ HK$253,404/mo (50% DSR)
Upfront cash ≈ HK$11.59M (deposit + AVD stamp duty HK$1,438,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,925
−HK$8,712/mo
▼ 0.25% · 3.875%
HK$143,246
−HK$4,391/mo
Today · 4.125%
HK$147,637
baseline
▲ 0.50% · 4.625%
HK$156,620
+HK$8,983/mo
Deposit HK$3.38M · loan HK$30.46M · min. income ≈ HK$295,274/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$1,438,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,553
−HK$8,350/mo
▼ 0.25% · 3.875%
HK$158,698
−HK$4,205/mo
Today · 4.125%
HK$162,903
baseline
▲ 0.50% · 4.625%
HK$171,490
+HK$8,587/mo
Deposit HK$3.38M · loan HK$30.46M · min. income ≈ HK$325,806/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$1,438,513 · Scale 2, in force from 26 Feb 2026)