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$77,449
−HK$4,856/mo
▼ 0.25% · 3.875%
HK$79,858
−HK$2,447/mo
Today · 4.125%
HK$82,305
baseline
▲ 0.50% · 4.625%
HK$87,313
+HK$5,008/mo
Deposit HK$16.98M · loan HK$16.98M · min. income ≈ HK$164,610/mo (50% DSR)
Upfront cash ≈ HK$18.43M (deposit + AVD stamp duty HK$1,443,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,161
−HK$4,655/mo
▼ 0.25% · 3.875%
HK$88,472
−HK$2,344/mo
Today · 4.125%
HK$90,816
baseline
▲ 0.50% · 4.625%
HK$95,603
+HK$4,787/mo
Deposit HK$16.98M · loan HK$16.98M · min. income ≈ HK$181,632/mo (50% DSR)
Upfront cash ≈ HK$18.43M (deposit + AVD stamp duty HK$1,443,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,938
−HK$5,828/mo
▼ 0.25% · 3.875%
HK$95,829
−HK$2,937/mo
Today · 4.125%
HK$98,766
baseline
▲ 0.50% · 4.625%
HK$104,776
+HK$6,010/mo
Deposit HK$13.59M · loan HK$20.38M · min. income ≈ HK$197,532/mo (50% DSR)
Upfront cash ≈ HK$15.03M (deposit + AVD stamp duty HK$1,443,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,393
−HK$5,586/mo
▼ 0.25% · 3.875%
HK$106,166
−HK$2,813/mo
Today · 4.125%
HK$108,979
baseline
▲ 0.50% · 4.625%
HK$114,723
+HK$5,744/mo
Deposit HK$13.59M · loan HK$20.38M · min. income ≈ HK$217,958/mo (50% DSR)
Upfront cash ≈ HK$15.03M (deposit + AVD stamp duty HK$1,443,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,428
−HK$6,799/mo
▼ 0.25% · 3.875%
HK$111,801
−HK$3,426/mo
Today · 4.125%
HK$115,227
baseline
▲ 0.50% · 4.625%
HK$122,239
+HK$7,012/mo
Deposit HK$10.19M · loan HK$23.78M · min. income ≈ HK$230,454/mo (50% DSR)
Upfront cash ≈ HK$11.63M (deposit + AVD stamp duty HK$1,443,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,625
−HK$6,517/mo
▼ 0.25% · 3.875%
HK$123,860
−HK$3,282/mo
Today · 4.125%
HK$127,142
baseline
▲ 0.50% · 4.625%
HK$133,844
+HK$6,702/mo
Deposit HK$10.19M · loan HK$23.78M · min. income ≈ HK$254,284/mo (50% DSR)
Upfront cash ≈ HK$11.63M (deposit + AVD stamp duty HK$1,443,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,408
−HK$8,742/mo
▼ 0.25% · 3.875%
HK$143,744
−HK$4,406/mo
Today · 4.125%
HK$148,150
baseline
▲ 0.50% · 4.625%
HK$157,164
+HK$9,014/mo
Deposit HK$3.40M · loan HK$30.57M · min. income ≈ HK$296,300/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$1,443,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,089
−HK$8,379/mo
▼ 0.25% · 3.875%
HK$159,249
−HK$4,219/mo
Today · 4.125%
HK$163,468
baseline
▲ 0.50% · 4.625%
HK$172,085
+HK$8,617/mo
Deposit HK$3.40M · loan HK$30.57M · min. income ≈ HK$326,936/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$1,443,507 · Scale 2, in force from 26 Feb 2026)