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$77,259
−HK$4,845/mo
▼ 0.25% · 3.875%
HK$79,662
−HK$2,442/mo
Today · 4.125%
HK$82,104
baseline
▲ 0.50% · 4.625%
HK$87,100
+HK$4,996/mo
Deposit HK$16.94M · loan HK$16.94M · min. income ≈ HK$164,208/mo (50% DSR)
Upfront cash ≈ HK$18.38M (deposit + AVD stamp duty HK$1,439,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,950
−HK$4,644/mo
▼ 0.25% · 3.875%
HK$88,255
−HK$2,339/mo
Today · 4.125%
HK$90,594
baseline
▲ 0.50% · 4.625%
HK$95,369
+HK$4,775/mo
Deposit HK$16.94M · loan HK$16.94M · min. income ≈ HK$181,188/mo (50% DSR)
Upfront cash ≈ HK$18.38M (deposit + AVD stamp duty HK$1,439,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,711
−HK$5,814/mo
▼ 0.25% · 3.875%
HK$95,595
−HK$2,930/mo
Today · 4.125%
HK$98,525
baseline
▲ 0.50% · 4.625%
HK$104,520
+HK$5,995/mo
Deposit HK$13.55M · loan HK$20.33M · min. income ≈ HK$197,050/mo (50% DSR)
Upfront cash ≈ HK$14.99M (deposit + AVD stamp duty HK$1,439,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,140
−HK$5,572/mo
▼ 0.25% · 3.875%
HK$105,906
−HK$2,806/mo
Today · 4.125%
HK$108,712
baseline
▲ 0.50% · 4.625%
HK$114,443
+HK$5,731/mo
Deposit HK$13.55M · loan HK$20.33M · min. income ≈ HK$217,424/mo (50% DSR)
Upfront cash ≈ HK$14.99M (deposit + AVD stamp duty HK$1,439,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,163
−HK$6,782/mo
▼ 0.25% · 3.875%
HK$111,527
−HK$3,418/mo
Today · 4.125%
HK$114,945
baseline
▲ 0.50% · 4.625%
HK$121,940
+HK$6,995/mo
Deposit HK$10.16M · loan HK$23.72M · min. income ≈ HK$229,890/mo (50% DSR)
Upfront cash ≈ HK$11.60M (deposit + AVD stamp duty HK$1,439,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,330
−HK$6,501/mo
▼ 0.25% · 3.875%
HK$123,557
−HK$3,274/mo
Today · 4.125%
HK$126,831
baseline
▲ 0.50% · 4.625%
HK$133,516
+HK$6,685/mo
Deposit HK$10.16M · loan HK$23.72M · min. income ≈ HK$253,662/mo (50% DSR)
Upfront cash ≈ HK$11.60M (deposit + AVD stamp duty HK$1,439,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,066
−HK$8,721/mo
▼ 0.25% · 3.875%
HK$143,392
−HK$4,395/mo
Today · 4.125%
HK$147,787
baseline
▲ 0.50% · 4.625%
HK$156,780
+HK$8,993/mo
Deposit HK$3.39M · loan HK$30.49M · min. income ≈ HK$295,574/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$1,439,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,710
−HK$8,358/mo
▼ 0.25% · 3.875%
HK$158,859
−HK$4,209/mo
Today · 4.125%
HK$163,068
baseline
▲ 0.50% · 4.625%
HK$171,664
+HK$8,596/mo
Deposit HK$3.39M · loan HK$30.49M · min. income ≈ HK$326,136/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$1,439,975 · Scale 2, in force from 26 Feb 2026)