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$77,441
−HK$4,856/mo
▼ 0.25% · 3.875%
HK$79,850
−HK$2,447/mo
Today · 4.125%
HK$82,297
baseline
▲ 0.50% · 4.625%
HK$87,305
+HK$5,008/mo
Deposit HK$16.98M · loan HK$16.98M · min. income ≈ HK$164,594/mo (50% DSR)
Upfront cash ≈ HK$18.42M (deposit + AVD stamp duty HK$1,443,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,152
−HK$4,655/mo
▼ 0.25% · 3.875%
HK$88,463
−HK$2,344/mo
Today · 4.125%
HK$90,807
baseline
▲ 0.50% · 4.625%
HK$95,593
+HK$4,786/mo
Deposit HK$16.98M · loan HK$16.98M · min. income ≈ HK$181,614/mo (50% DSR)
Upfront cash ≈ HK$18.42M (deposit + AVD stamp duty HK$1,443,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,929
−HK$5,827/mo
▼ 0.25% · 3.875%
HK$95,820
−HK$2,936/mo
Today · 4.125%
HK$98,756
baseline
▲ 0.50% · 4.625%
HK$104,766
+HK$6,010/mo
Deposit HK$13.58M · loan HK$20.38M · min. income ≈ HK$197,512/mo (50% DSR)
Upfront cash ≈ HK$15.03M (deposit + AVD stamp duty HK$1,443,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,383
−HK$5,585/mo
▼ 0.25% · 3.875%
HK$106,155
−HK$2,813/mo
Today · 4.125%
HK$108,968
baseline
▲ 0.50% · 4.625%
HK$114,712
+HK$5,744/mo
Deposit HK$13.58M · loan HK$20.38M · min. income ≈ HK$217,936/mo (50% DSR)
Upfront cash ≈ HK$15.03M (deposit + AVD stamp duty HK$1,443,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,417
−HK$6,799/mo
▼ 0.25% · 3.875%
HK$111,790
−HK$3,426/mo
Today · 4.125%
HK$115,216
baseline
▲ 0.50% · 4.625%
HK$122,226
+HK$7,010/mo
Deposit HK$10.19M · loan HK$23.77M · min. income ≈ HK$230,432/mo (50% DSR)
Upfront cash ≈ HK$11.63M (deposit + AVD stamp duty HK$1,443,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,613
−HK$6,516/mo
▼ 0.25% · 3.875%
HK$123,848
−HK$3,281/mo
Today · 4.125%
HK$127,129
baseline
▲ 0.50% · 4.625%
HK$133,831
+HK$6,702/mo
Deposit HK$10.19M · loan HK$23.77M · min. income ≈ HK$254,258/mo (50% DSR)
Upfront cash ≈ HK$11.63M (deposit + AVD stamp duty HK$1,443,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,393
−HK$8,742/mo
▼ 0.25% · 3.875%
HK$143,729
−HK$4,406/mo
Today · 4.125%
HK$148,135
baseline
▲ 0.50% · 4.625%
HK$157,148
+HK$9,013/mo
Deposit HK$3.40M · loan HK$30.57M · min. income ≈ HK$296,270/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$1,443,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,074
−HK$8,378/mo
▼ 0.25% · 3.875%
HK$159,233
−HK$4,219/mo
Today · 4.125%
HK$163,452
baseline
▲ 0.50% · 4.625%
HK$172,068
+HK$8,616/mo
Deposit HK$3.40M · loan HK$30.57M · min. income ≈ HK$326,904/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$1,443,362 · Scale 2, in force from 26 Feb 2026)