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$77,081
−HK$4,834/mo
▼ 0.25% · 3.875%
HK$79,479
−HK$2,436/mo
Today · 4.125%
HK$81,915
baseline
▲ 0.50% · 4.625%
HK$86,899
+HK$4,984/mo
Deposit HK$16.90M · loan HK$16.90M · min. income ≈ HK$163,830/mo (50% DSR)
Upfront cash ≈ HK$18.34M (deposit + AVD stamp duty HK$1,436,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,752
−HK$4,633/mo
▼ 0.25% · 3.875%
HK$88,052
−HK$2,333/mo
Today · 4.125%
HK$90,385
baseline
▲ 0.50% · 4.625%
HK$95,149
+HK$4,764/mo
Deposit HK$16.90M · loan HK$16.90M · min. income ≈ HK$180,770/mo (50% DSR)
Upfront cash ≈ HK$18.34M (deposit + AVD stamp duty HK$1,436,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,497
−HK$5,801/mo
▼ 0.25% · 3.875%
HK$95,374
−HK$2,924/mo
Today · 4.125%
HK$98,298
baseline
▲ 0.50% · 4.625%
HK$104,279
+HK$5,981/mo
Deposit HK$13.52M · loan HK$20.28M · min. income ≈ HK$196,596/mo (50% DSR)
Upfront cash ≈ HK$14.96M (deposit + AVD stamp duty HK$1,436,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,902
−HK$5,560/mo
▼ 0.25% · 3.875%
HK$105,662
−HK$2,800/mo
Today · 4.125%
HK$108,462
baseline
▲ 0.50% · 4.625%
HK$114,179
+HK$5,717/mo
Deposit HK$13.52M · loan HK$20.28M · min. income ≈ HK$216,924/mo (50% DSR)
Upfront cash ≈ HK$14.96M (deposit + AVD stamp duty HK$1,436,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,913
−HK$6,768/mo
▼ 0.25% · 3.875%
HK$111,270
−HK$3,411/mo
Today · 4.125%
HK$114,681
baseline
▲ 0.50% · 4.625%
HK$121,659
+HK$6,978/mo
Deposit HK$10.14M · loan HK$23.66M · min. income ≈ HK$229,362/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$1,436,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,053
−HK$6,486/mo
▼ 0.25% · 3.875%
HK$123,272
−HK$3,267/mo
Today · 4.125%
HK$126,539
baseline
▲ 0.50% · 4.625%
HK$133,209
+HK$6,670/mo
Deposit HK$10.14M · loan HK$23.66M · min. income ≈ HK$253,078/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$1,436,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,746
−HK$8,700/mo
▼ 0.25% · 3.875%
HK$143,062
−HK$4,384/mo
Today · 4.125%
HK$147,446
baseline
▲ 0.50% · 4.625%
HK$156,418
+HK$8,972/mo
Deposit HK$3.38M · loan HK$30.42M · min. income ≈ HK$294,892/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$1,436,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,353
−HK$8,340/mo
▼ 0.25% · 3.875%
HK$158,493
−HK$4,200/mo
Today · 4.125%
HK$162,693
baseline
▲ 0.50% · 4.625%
HK$171,268
+HK$8,575/mo
Deposit HK$3.38M · loan HK$30.42M · min. income ≈ HK$325,386/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$1,436,656 · Scale 2, in force from 26 Feb 2026)