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$76,931
−HK$4,824/mo
▼ 0.25% · 3.875%
HK$79,324
−HK$2,431/mo
Today · 4.125%
HK$81,755
baseline
▲ 0.50% · 4.625%
HK$86,730
+HK$4,975/mo
Deposit HK$16.87M · loan HK$16.87M · min. income ≈ HK$163,510/mo (50% DSR)
Upfront cash ≈ HK$18.30M (deposit + AVD stamp duty HK$1,433,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,585
−HK$4,624/mo
▼ 0.25% · 3.875%
HK$87,880
−HK$2,329/mo
Today · 4.125%
HK$90,209
baseline
▲ 0.50% · 4.625%
HK$94,964
+HK$4,755/mo
Deposit HK$16.87M · loan HK$16.87M · min. income ≈ HK$180,418/mo (50% DSR)
Upfront cash ≈ HK$18.30M (deposit + AVD stamp duty HK$1,433,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,317
−HK$5,789/mo
▼ 0.25% · 3.875%
HK$95,189
−HK$2,917/mo
Today · 4.125%
HK$98,106
baseline
▲ 0.50% · 4.625%
HK$104,076
+HK$5,970/mo
Deposit HK$13.50M · loan HK$20.24M · min. income ≈ HK$196,212/mo (50% DSR)
Upfront cash ≈ HK$14.93M (deposit + AVD stamp duty HK$1,433,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,702
−HK$5,549/mo
▼ 0.25% · 3.875%
HK$105,456
−HK$2,795/mo
Today · 4.125%
HK$108,251
baseline
▲ 0.50% · 4.625%
HK$113,957
+HK$5,706/mo
Deposit HK$13.50M · loan HK$20.24M · min. income ≈ HK$216,502/mo (50% DSR)
Upfront cash ≈ HK$14.93M (deposit + AVD stamp duty HK$1,433,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,703
−HK$6,754/mo
▼ 0.25% · 3.875%
HK$111,054
−HK$3,403/mo
Today · 4.125%
HK$114,457
baseline
▲ 0.50% · 4.625%
HK$121,422
+HK$6,965/mo
Deposit HK$10.12M · loan HK$23.62M · min. income ≈ HK$228,914/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$1,433,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,819
−HK$6,473/mo
▼ 0.25% · 3.875%
HK$123,032
−HK$3,260/mo
Today · 4.125%
HK$126,292
baseline
▲ 0.50% · 4.625%
HK$132,949
+HK$6,657/mo
Deposit HK$10.12M · loan HK$23.62M · min. income ≈ HK$252,584/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$1,433,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,476
−HK$8,683/mo
▼ 0.25% · 3.875%
HK$142,783
−HK$4,376/mo
Today · 4.125%
HK$147,159
baseline
▲ 0.50% · 4.625%
HK$156,114
+HK$8,955/mo
Deposit HK$3.37M · loan HK$30.36M · min. income ≈ HK$294,318/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$1,433,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,053
−HK$8,323/mo
▼ 0.25% · 3.875%
HK$158,185
−HK$4,191/mo
Today · 4.125%
HK$162,376
baseline
▲ 0.50% · 4.625%
HK$170,935
+HK$8,559/mo
Deposit HK$3.37M · loan HK$30.36M · min. income ≈ HK$324,752/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$1,433,860 · Scale 2, in force from 26 Feb 2026)