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$77,257
−HK$4,845/mo
▼ 0.25% · 3.875%
HK$79,660
−HK$2,442/mo
Today · 4.125%
HK$82,102
baseline
▲ 0.50% · 4.625%
HK$87,097
+HK$4,995/mo
Deposit HK$16.94M · loan HK$16.94M · min. income ≈ HK$164,204/mo (50% DSR)
Upfront cash ≈ HK$18.38M (deposit + AVD stamp duty HK$1,439,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,948
−HK$4,643/mo
▼ 0.25% · 3.875%
HK$88,253
−HK$2,338/mo
Today · 4.125%
HK$90,591
baseline
▲ 0.50% · 4.625%
HK$95,366
+HK$4,775/mo
Deposit HK$16.94M · loan HK$16.94M · min. income ≈ HK$181,182/mo (50% DSR)
Upfront cash ≈ HK$18.38M (deposit + AVD stamp duty HK$1,439,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,708
−HK$5,814/mo
▼ 0.25% · 3.875%
HK$95,592
−HK$2,930/mo
Today · 4.125%
HK$98,522
baseline
▲ 0.50% · 4.625%
HK$104,517
+HK$5,995/mo
Deposit HK$13.55M · loan HK$20.33M · min. income ≈ HK$197,044/mo (50% DSR)
Upfront cash ≈ HK$14.99M (deposit + AVD stamp duty HK$1,439,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,137
−HK$5,572/mo
▼ 0.25% · 3.875%
HK$105,903
−HK$2,806/mo
Today · 4.125%
HK$108,709
baseline
▲ 0.50% · 4.625%
HK$114,440
+HK$5,731/mo
Deposit HK$13.55M · loan HK$20.33M · min. income ≈ HK$217,418/mo (50% DSR)
Upfront cash ≈ HK$14.99M (deposit + AVD stamp duty HK$1,439,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,160
−HK$6,782/mo
▼ 0.25% · 3.875%
HK$111,524
−HK$3,418/mo
Today · 4.125%
HK$114,942
baseline
▲ 0.50% · 4.625%
HK$121,936
+HK$6,994/mo
Deposit HK$10.16M · loan HK$23.72M · min. income ≈ HK$229,884/mo (50% DSR)
Upfront cash ≈ HK$11.60M (deposit + AVD stamp duty HK$1,439,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,327
−HK$6,501/mo
▼ 0.25% · 3.875%
HK$123,554
−HK$3,274/mo
Today · 4.125%
HK$126,828
baseline
▲ 0.50% · 4.625%
HK$133,513
+HK$6,685/mo
Deposit HK$10.16M · loan HK$23.72M · min. income ≈ HK$253,656/mo (50% DSR)
Upfront cash ≈ HK$11.60M (deposit + AVD stamp duty HK$1,439,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,063
−HK$8,720/mo
▼ 0.25% · 3.875%
HK$143,388
−HK$4,395/mo
Today · 4.125%
HK$147,783
baseline
▲ 0.50% · 4.625%
HK$156,775
+HK$8,992/mo
Deposit HK$3.39M · loan HK$30.49M · min. income ≈ HK$295,566/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$1,439,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,706
−HK$8,358/mo
▼ 0.25% · 3.875%
HK$158,855
−HK$4,209/mo
Today · 4.125%
HK$163,064
baseline
▲ 0.50% · 4.625%
HK$171,659
+HK$8,595/mo
Deposit HK$3.39M · loan HK$30.49M · min. income ≈ HK$326,128/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$1,439,936 · Scale 2, in force from 26 Feb 2026)