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$77,346
−HK$4,851/mo
▼ 0.25% · 3.875%
HK$79,752
−HK$2,445/mo
Today · 4.125%
HK$82,197
baseline
▲ 0.50% · 4.625%
HK$87,198
+HK$5,001/mo
Deposit HK$16.96M · loan HK$16.96M · min. income ≈ HK$164,394/mo (50% DSR)
Upfront cash ≈ HK$18.40M (deposit + AVD stamp duty HK$1,441,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,047
−HK$4,649/mo
▼ 0.25% · 3.875%
HK$88,355
−HK$2,341/mo
Today · 4.125%
HK$90,696
baseline
▲ 0.50% · 4.625%
HK$95,477
+HK$4,781/mo
Deposit HK$16.96M · loan HK$16.96M · min. income ≈ HK$181,392/mo (50% DSR)
Upfront cash ≈ HK$18.40M (deposit + AVD stamp duty HK$1,441,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,816
−HK$5,820/mo
▼ 0.25% · 3.875%
HK$95,703
−HK$2,933/mo
Today · 4.125%
HK$98,636
baseline
▲ 0.50% · 4.625%
HK$104,638
+HK$6,002/mo
Deposit HK$13.57M · loan HK$20.35M · min. income ≈ HK$197,272/mo (50% DSR)
Upfront cash ≈ HK$15.01M (deposit + AVD stamp duty HK$1,441,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,257
−HK$5,578/mo
▼ 0.25% · 3.875%
HK$106,026
−HK$2,809/mo
Today · 4.125%
HK$108,835
baseline
▲ 0.50% · 4.625%
HK$114,572
+HK$5,737/mo
Deposit HK$13.57M · loan HK$20.35M · min. income ≈ HK$217,670/mo (50% DSR)
Upfront cash ≈ HK$15.01M (deposit + AVD stamp duty HK$1,441,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,285
−HK$6,791/mo
▼ 0.25% · 3.875%
HK$111,653
−HK$3,423/mo
Today · 4.125%
HK$115,076
baseline
▲ 0.50% · 4.625%
HK$122,078
+HK$7,002/mo
Deposit HK$10.18M · loan HK$23.74M · min. income ≈ HK$230,152/mo (50% DSR)
Upfront cash ≈ HK$11.62M (deposit + AVD stamp duty HK$1,441,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,466
−HK$6,508/mo
▼ 0.25% · 3.875%
HK$123,697
−HK$3,277/mo
Today · 4.125%
HK$126,974
baseline
▲ 0.50% · 4.625%
HK$133,667
+HK$6,693/mo
Deposit HK$10.18M · loan HK$23.74M · min. income ≈ HK$253,948/mo (50% DSR)
Upfront cash ≈ HK$11.62M (deposit + AVD stamp duty HK$1,441,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,224
−HK$8,730/mo
▼ 0.25% · 3.875%
HK$143,554
−HK$4,400/mo
Today · 4.125%
HK$147,954
baseline
▲ 0.50% · 4.625%
HK$156,957
+HK$9,003/mo
Deposit HK$3.39M · loan HK$30.53M · min. income ≈ HK$295,908/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$1,441,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,885
−HK$8,368/mo
▼ 0.25% · 3.875%
HK$159,039
−HK$4,214/mo
Today · 4.125%
HK$163,253
baseline
▲ 0.50% · 4.625%
HK$171,858
+HK$8,605/mo
Deposit HK$3.39M · loan HK$30.53M · min. income ≈ HK$326,506/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$1,441,604 · Scale 2, in force from 26 Feb 2026)