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$77,402
−HK$4,854/mo
▼ 0.25% · 3.875%
HK$79,810
−HK$2,446/mo
Today · 4.125%
HK$82,256
baseline
▲ 0.50% · 4.625%
HK$87,261
+HK$5,005/mo
Deposit HK$16.97M · loan HK$16.97M · min. income ≈ HK$164,512/mo (50% DSR)
Upfront cash ≈ HK$18.41M (deposit + AVD stamp duty HK$1,442,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,109
−HK$4,652/mo
▼ 0.25% · 3.875%
HK$88,418
−HK$2,343/mo
Today · 4.125%
HK$90,761
baseline
▲ 0.50% · 4.625%
HK$95,545
+HK$4,784/mo
Deposit HK$16.97M · loan HK$16.97M · min. income ≈ HK$181,522/mo (50% DSR)
Upfront cash ≈ HK$18.41M (deposit + AVD stamp duty HK$1,442,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,882
−HK$5,825/mo
▼ 0.25% · 3.875%
HK$95,771
−HK$2,936/mo
Today · 4.125%
HK$98,707
baseline
▲ 0.50% · 4.625%
HK$104,713
+HK$6,006/mo
Deposit HK$13.58M · loan HK$20.37M · min. income ≈ HK$197,414/mo (50% DSR)
Upfront cash ≈ HK$15.02M (deposit + AVD stamp duty HK$1,442,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,331
−HK$5,582/mo
▼ 0.25% · 3.875%
HK$106,102
−HK$2,811/mo
Today · 4.125%
HK$108,913
baseline
▲ 0.50% · 4.625%
HK$114,654
+HK$5,741/mo
Deposit HK$13.58M · loan HK$20.37M · min. income ≈ HK$217,826/mo (50% DSR)
Upfront cash ≈ HK$15.02M (deposit + AVD stamp duty HK$1,442,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,363
−HK$6,795/mo
▼ 0.25% · 3.875%
HK$111,733
−HK$3,425/mo
Today · 4.125%
HK$115,158
baseline
▲ 0.50% · 4.625%
HK$122,165
+HK$7,007/mo
Deposit HK$10.18M · loan HK$23.76M · min. income ≈ HK$230,316/mo (50% DSR)
Upfront cash ≈ HK$11.63M (deposit + AVD stamp duty HK$1,442,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,552
−HK$6,513/mo
▼ 0.25% · 3.875%
HK$123,786
−HK$3,279/mo
Today · 4.125%
HK$127,065
baseline
▲ 0.50% · 4.625%
HK$133,763
+HK$6,698/mo
Deposit HK$10.18M · loan HK$23.76M · min. income ≈ HK$254,130/mo (50% DSR)
Upfront cash ≈ HK$11.63M (deposit + AVD stamp duty HK$1,442,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,323
−HK$8,737/mo
▼ 0.25% · 3.875%
HK$143,657
−HK$4,403/mo
Today · 4.125%
HK$148,060
baseline
▲ 0.50% · 4.625%
HK$157,069
+HK$9,009/mo
Deposit HK$3.39M · loan HK$30.55M · min. income ≈ HK$296,120/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$1,442,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,996
−HK$8,374/mo
▼ 0.25% · 3.875%
HK$159,153
−HK$4,217/mo
Today · 4.125%
HK$163,370
baseline
▲ 0.50% · 4.625%
HK$171,981
+HK$8,611/mo
Deposit HK$3.39M · loan HK$30.55M · min. income ≈ HK$326,740/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$1,442,637 · Scale 2, in force from 26 Feb 2026)