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$76,999
−HK$4,829/mo
▼ 0.25% · 3.875%
HK$79,395
−HK$2,433/mo
Today · 4.125%
HK$81,828
baseline
▲ 0.50% · 4.625%
HK$86,807
+HK$4,979/mo
Deposit HK$16.88M · loan HK$16.88M · min. income ≈ HK$163,656/mo (50% DSR)
Upfront cash ≈ HK$18.32M (deposit + AVD stamp duty HK$1,435,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,661
−HK$4,628/mo
▼ 0.25% · 3.875%
HK$87,959
−HK$2,330/mo
Today · 4.125%
HK$90,289
baseline
▲ 0.50% · 4.625%
HK$95,048
+HK$4,759/mo
Deposit HK$16.88M · loan HK$16.88M · min. income ≈ HK$180,578/mo (50% DSR)
Upfront cash ≈ HK$18.32M (deposit + AVD stamp duty HK$1,435,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,399
−HK$5,795/mo
▼ 0.25% · 3.875%
HK$95,273
−HK$2,921/mo
Today · 4.125%
HK$98,194
baseline
▲ 0.50% · 4.625%
HK$104,168
+HK$5,974/mo
Deposit HK$13.51M · loan HK$20.26M · min. income ≈ HK$196,388/mo (50% DSR)
Upfront cash ≈ HK$14.94M (deposit + AVD stamp duty HK$1,435,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,793
−HK$5,554/mo
▼ 0.25% · 3.875%
HK$105,550
−HK$2,797/mo
Today · 4.125%
HK$108,347
baseline
▲ 0.50% · 4.625%
HK$114,058
+HK$5,711/mo
Deposit HK$13.51M · loan HK$20.26M · min. income ≈ HK$216,694/mo (50% DSR)
Upfront cash ≈ HK$14.94M (deposit + AVD stamp duty HK$1,435,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,799
−HK$6,760/mo
▼ 0.25% · 3.875%
HK$111,152
−HK$3,407/mo
Today · 4.125%
HK$114,559
baseline
▲ 0.50% · 4.625%
HK$121,530
+HK$6,971/mo
Deposit HK$10.13M · loan HK$23.64M · min. income ≈ HK$229,118/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$1,435,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,926
−HK$6,479/mo
▼ 0.25% · 3.875%
HK$123,142
−HK$3,263/mo
Today · 4.125%
HK$126,405
baseline
▲ 0.50% · 4.625%
HK$133,068
+HK$6,663/mo
Deposit HK$10.13M · loan HK$23.64M · min. income ≈ HK$252,810/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$1,435,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,599
−HK$8,691/mo
▼ 0.25% · 3.875%
HK$142,910
−HK$4,380/mo
Today · 4.125%
HK$147,290
baseline
▲ 0.50% · 4.625%
HK$156,253
+HK$8,963/mo
Deposit HK$3.38M · loan HK$30.39M · min. income ≈ HK$294,580/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$1,435,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,190
−HK$8,330/mo
▼ 0.25% · 3.875%
HK$158,325
−HK$4,195/mo
Today · 4.125%
HK$162,520
baseline
▲ 0.50% · 4.625%
HK$171,087
+HK$8,567/mo
Deposit HK$3.38M · loan HK$30.39M · min. income ≈ HK$325,040/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$1,435,136 · Scale 2, in force from 26 Feb 2026)