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$77,466
−HK$4,858/mo
▼ 0.25% · 3.875%
HK$79,876
−HK$2,448/mo
Today · 4.125%
HK$82,324
baseline
▲ 0.50% · 4.625%
HK$87,333
+HK$5,009/mo
Deposit HK$16.99M · loan HK$16.99M · min. income ≈ HK$164,648/mo (50% DSR)
Upfront cash ≈ HK$18.43M (deposit + AVD stamp duty HK$1,443,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,180
−HK$4,656/mo
▼ 0.25% · 3.875%
HK$88,492
−HK$2,344/mo
Today · 4.125%
HK$90,836
baseline
▲ 0.50% · 4.625%
HK$95,624
+HK$4,788/mo
Deposit HK$16.99M · loan HK$16.99M · min. income ≈ HK$181,672/mo (50% DSR)
Upfront cash ≈ HK$18.43M (deposit + AVD stamp duty HK$1,443,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,959
−HK$5,830/mo
▼ 0.25% · 3.875%
HK$95,851
−HK$2,938/mo
Today · 4.125%
HK$98,789
baseline
▲ 0.50% · 4.625%
HK$104,800
+HK$6,011/mo
Deposit HK$13.59M · loan HK$20.38M · min. income ≈ HK$197,578/mo (50% DSR)
Upfront cash ≈ HK$15.03M (deposit + AVD stamp duty HK$1,443,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,416
−HK$5,588/mo
▼ 0.25% · 3.875%
HK$106,190
−HK$2,814/mo
Today · 4.125%
HK$109,004
baseline
▲ 0.50% · 4.625%
HK$114,749
+HK$5,745/mo
Deposit HK$13.59M · loan HK$20.38M · min. income ≈ HK$218,008/mo (50% DSR)
Upfront cash ≈ HK$15.03M (deposit + AVD stamp duty HK$1,443,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,453
−HK$6,801/mo
▼ 0.25% · 3.875%
HK$111,826
−HK$3,428/mo
Today · 4.125%
HK$115,254
baseline
▲ 0.50% · 4.625%
HK$122,266
+HK$7,012/mo
Deposit HK$10.19M · loan HK$23.78M · min. income ≈ HK$230,508/mo (50% DSR)
Upfront cash ≈ HK$11.64M (deposit + AVD stamp duty HK$1,443,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,652
−HK$6,519/mo
▼ 0.25% · 3.875%
HK$123,888
−HK$3,283/mo
Today · 4.125%
HK$127,171
baseline
▲ 0.50% · 4.625%
HK$133,874
+HK$6,703/mo
Deposit HK$10.19M · loan HK$23.78M · min. income ≈ HK$254,342/mo (50% DSR)
Upfront cash ≈ HK$11.64M (deposit + AVD stamp duty HK$1,443,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,439
−HK$8,744/mo
▼ 0.25% · 3.875%
HK$143,776
−HK$4,407/mo
Today · 4.125%
HK$148,183
baseline
▲ 0.50% · 4.625%
HK$157,200
+HK$9,017/mo
Deposit HK$3.40M · loan HK$30.58M · min. income ≈ HK$296,366/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$1,443,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,125
−HK$8,380/mo
▼ 0.25% · 3.875%
HK$159,285
−HK$4,220/mo
Today · 4.125%
HK$163,505
baseline
▲ 0.50% · 4.625%
HK$172,124
+HK$8,619/mo
Deposit HK$3.40M · loan HK$30.58M · min. income ≈ HK$327,010/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$1,443,834 · Scale 2, in force from 26 Feb 2026)