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$77,086
−HK$4,834/mo
▼ 0.25% · 3.875%
HK$79,484
−HK$2,436/mo
Today · 4.125%
HK$81,920
baseline
▲ 0.50% · 4.625%
HK$86,904
+HK$4,984/mo
Deposit HK$16.90M · loan HK$16.90M · min. income ≈ HK$163,840/mo (50% DSR)
Upfront cash ≈ HK$18.34M (deposit + AVD stamp duty HK$1,436,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,757
−HK$4,633/mo
▼ 0.25% · 3.875%
HK$88,057
−HK$2,333/mo
Today · 4.125%
HK$90,390
baseline
▲ 0.50% · 4.625%
HK$95,155
+HK$4,765/mo
Deposit HK$16.90M · loan HK$16.90M · min. income ≈ HK$180,780/mo (50% DSR)
Upfront cash ≈ HK$18.34M (deposit + AVD stamp duty HK$1,436,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,503
−HK$5,801/mo
▼ 0.25% · 3.875%
HK$95,380
−HK$2,924/mo
Today · 4.125%
HK$98,304
baseline
▲ 0.50% · 4.625%
HK$104,285
+HK$5,981/mo
Deposit HK$13.52M · loan HK$20.28M · min. income ≈ HK$196,608/mo (50% DSR)
Upfront cash ≈ HK$14.96M (deposit + AVD stamp duty HK$1,436,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,909
−HK$5,559/mo
▼ 0.25% · 3.875%
HK$105,669
−HK$2,799/mo
Today · 4.125%
HK$108,468
baseline
▲ 0.50% · 4.625%
HK$114,186
+HK$5,718/mo
Deposit HK$13.52M · loan HK$20.28M · min. income ≈ HK$216,936/mo (50% DSR)
Upfront cash ≈ HK$14.96M (deposit + AVD stamp duty HK$1,436,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,920
−HK$6,768/mo
▼ 0.25% · 3.875%
HK$111,277
−HK$3,411/mo
Today · 4.125%
HK$114,688
baseline
▲ 0.50% · 4.625%
HK$121,666
+HK$6,978/mo
Deposit HK$10.14M · loan HK$23.66M · min. income ≈ HK$229,376/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$1,436,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,060
−HK$6,487/mo
▼ 0.25% · 3.875%
HK$123,280
−HK$3,267/mo
Today · 4.125%
HK$126,547
baseline
▲ 0.50% · 4.625%
HK$133,217
+HK$6,670/mo
Deposit HK$10.14M · loan HK$23.66M · min. income ≈ HK$253,094/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$1,436,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,754
−HK$8,702/mo
▼ 0.25% · 3.875%
HK$143,070
−HK$4,386/mo
Today · 4.125%
HK$147,456
baseline
▲ 0.50% · 4.625%
HK$156,428
+HK$8,972/mo
Deposit HK$3.38M · loan HK$30.43M · min. income ≈ HK$294,912/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$1,436,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,363
−HK$8,340/mo
▼ 0.25% · 3.875%
HK$158,503
−HK$4,200/mo
Today · 4.125%
HK$162,703
baseline
▲ 0.50% · 4.625%
HK$171,279
+HK$8,576/mo
Deposit HK$3.38M · loan HK$30.43M · min. income ≈ HK$325,406/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$1,436,745 · Scale 2, in force from 26 Feb 2026)