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$77,490
−HK$4,860/mo
▼ 0.25% · 3.875%
HK$79,901
−HK$2,449/mo
Today · 4.125%
HK$82,350
baseline
▲ 0.50% · 4.625%
HK$87,361
+HK$5,011/mo
Deposit HK$16.99M · loan HK$16.99M · min. income ≈ HK$164,700/mo (50% DSR)
Upfront cash ≈ HK$18.44M (deposit + AVD stamp duty HK$1,444,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,207
−HK$4,658/mo
▼ 0.25% · 3.875%
HK$88,519
−HK$2,346/mo
Today · 4.125%
HK$90,865
baseline
▲ 0.50% · 4.625%
HK$95,655
+HK$4,790/mo
Deposit HK$16.99M · loan HK$16.99M · min. income ≈ HK$181,730/mo (50% DSR)
Upfront cash ≈ HK$18.44M (deposit + AVD stamp duty HK$1,444,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,989
−HK$5,831/mo
▼ 0.25% · 3.875%
HK$95,881
−HK$2,939/mo
Today · 4.125%
HK$98,820
baseline
▲ 0.50% · 4.625%
HK$104,833
+HK$6,013/mo
Deposit HK$13.59M · loan HK$20.39M · min. income ≈ HK$197,640/mo (50% DSR)
Upfront cash ≈ HK$15.04M (deposit + AVD stamp duty HK$1,444,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,449
−HK$5,589/mo
▼ 0.25% · 3.875%
HK$106,223
−HK$2,815/mo
Today · 4.125%
HK$109,038
baseline
▲ 0.50% · 4.625%
HK$114,785
+HK$5,747/mo
Deposit HK$13.59M · loan HK$20.39M · min. income ≈ HK$218,076/mo (50% DSR)
Upfront cash ≈ HK$15.04M (deposit + AVD stamp duty HK$1,444,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,487
−HK$6,803/mo
▼ 0.25% · 3.875%
HK$111,861
−HK$3,429/mo
Today · 4.125%
HK$115,290
baseline
▲ 0.50% · 4.625%
HK$122,305
+HK$7,015/mo
Deposit HK$10.19M · loan HK$23.79M · min. income ≈ HK$230,580/mo (50% DSR)
Upfront cash ≈ HK$11.64M (deposit + AVD stamp duty HK$1,444,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,690
−HK$6,521/mo
▼ 0.25% · 3.875%
HK$123,927
−HK$3,284/mo
Today · 4.125%
HK$127,211
baseline
▲ 0.50% · 4.625%
HK$133,916
+HK$6,705/mo
Deposit HK$10.19M · loan HK$23.79M · min. income ≈ HK$254,422/mo (50% DSR)
Upfront cash ≈ HK$11.64M (deposit + AVD stamp duty HK$1,444,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,483
−HK$8,747/mo
▼ 0.25% · 3.875%
HK$143,822
−HK$4,408/mo
Today · 4.125%
HK$148,230
baseline
▲ 0.50% · 4.625%
HK$157,249
+HK$9,019/mo
Deposit HK$3.40M · loan HK$30.58M · min. income ≈ HK$296,460/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$1,444,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,173
−HK$8,384/mo
▼ 0.25% · 3.875%
HK$159,335
−HK$4,222/mo
Today · 4.125%
HK$163,557
baseline
▲ 0.50% · 4.625%
HK$172,178
+HK$8,621/mo
Deposit HK$3.40M · loan HK$30.58M · min. income ≈ HK$327,114/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$1,444,288 · Scale 2, in force from 26 Feb 2026)