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$77,396
−HK$4,854/mo
▼ 0.25% · 3.875%
HK$79,804
−HK$2,446/mo
Today · 4.125%
HK$82,250
baseline
▲ 0.50% · 4.625%
HK$87,255
+HK$5,005/mo
Deposit HK$16.97M · loan HK$16.97M · min. income ≈ HK$164,500/mo (50% DSR)
Upfront cash ≈ HK$18.41M (deposit + AVD stamp duty HK$1,442,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,103
−HK$4,652/mo
▼ 0.25% · 3.875%
HK$88,412
−HK$2,343/mo
Today · 4.125%
HK$90,755
baseline
▲ 0.50% · 4.625%
HK$95,538
+HK$4,783/mo
Deposit HK$16.97M · loan HK$16.97M · min. income ≈ HK$181,510/mo (50% DSR)
Upfront cash ≈ HK$18.41M (deposit + AVD stamp duty HK$1,442,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,876
−HK$5,824/mo
▼ 0.25% · 3.875%
HK$95,765
−HK$2,935/mo
Today · 4.125%
HK$98,700
baseline
▲ 0.50% · 4.625%
HK$104,706
+HK$6,006/mo
Deposit HK$13.58M · loan HK$20.37M · min. income ≈ HK$197,400/mo (50% DSR)
Upfront cash ≈ HK$15.02M (deposit + AVD stamp duty HK$1,442,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,323
−HK$5,583/mo
▼ 0.25% · 3.875%
HK$106,094
−HK$2,812/mo
Today · 4.125%
HK$108,906
baseline
▲ 0.50% · 4.625%
HK$114,646
+HK$5,740/mo
Deposit HK$13.58M · loan HK$20.37M · min. income ≈ HK$217,812/mo (50% DSR)
Upfront cash ≈ HK$15.02M (deposit + AVD stamp duty HK$1,442,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,355
−HK$6,795/mo
▼ 0.25% · 3.875%
HK$111,725
−HK$3,425/mo
Today · 4.125%
HK$115,150
baseline
▲ 0.50% · 4.625%
HK$122,156
+HK$7,006/mo
Deposit HK$10.18M · loan HK$23.76M · min. income ≈ HK$230,300/mo (50% DSR)
Upfront cash ≈ HK$11.63M (deposit + AVD stamp duty HK$1,442,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,544
−HK$6,512/mo
▼ 0.25% · 3.875%
HK$123,777
−HK$3,279/mo
Today · 4.125%
HK$127,056
baseline
▲ 0.50% · 4.625%
HK$133,754
+HK$6,698/mo
Deposit HK$10.18M · loan HK$23.76M · min. income ≈ HK$254,112/mo (50% DSR)
Upfront cash ≈ HK$11.63M (deposit + AVD stamp duty HK$1,442,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,314
−HK$8,736/mo
▼ 0.25% · 3.875%
HK$143,647
−HK$4,403/mo
Today · 4.125%
HK$148,050
baseline
▲ 0.50% · 4.625%
HK$157,058
+HK$9,008/mo
Deposit HK$3.39M · loan HK$30.55M · min. income ≈ HK$296,100/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$1,442,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,985
−HK$8,373/mo
▼ 0.25% · 3.875%
HK$159,142
−HK$4,216/mo
Today · 4.125%
HK$163,358
baseline
▲ 0.50% · 4.625%
HK$171,969
+HK$8,611/mo
Deposit HK$3.39M · loan HK$30.55M · min. income ≈ HK$326,716/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$1,442,535 · Scale 2, in force from 26 Feb 2026)