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$77,224
−HK$4,842/mo
▼ 0.25% · 3.875%
HK$79,626
−HK$2,440/mo
Today · 4.125%
HK$82,066
baseline
▲ 0.50% · 4.625%
HK$87,060
+HK$4,994/mo
Deposit HK$16.93M · loan HK$16.93M · min. income ≈ HK$164,132/mo (50% DSR)
Upfront cash ≈ HK$18.37M (deposit + AVD stamp duty HK$1,439,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,910
−HK$4,642/mo
▼ 0.25% · 3.875%
HK$88,215
−HK$2,337/mo
Today · 4.125%
HK$90,552
baseline
▲ 0.50% · 4.625%
HK$95,325
+HK$4,773/mo
Deposit HK$16.93M · loan HK$16.93M · min. income ≈ HK$181,104/mo (50% DSR)
Upfront cash ≈ HK$18.37M (deposit + AVD stamp duty HK$1,439,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,668
−HK$5,811/mo
▼ 0.25% · 3.875%
HK$95,551
−HK$2,928/mo
Today · 4.125%
HK$98,479
baseline
▲ 0.50% · 4.625%
HK$104,472
+HK$5,993/mo
Deposit HK$13.55M · loan HK$20.32M · min. income ≈ HK$196,958/mo (50% DSR)
Upfront cash ≈ HK$14.99M (deposit + AVD stamp duty HK$1,439,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,093
−HK$5,569/mo
▼ 0.25% · 3.875%
HK$105,857
−HK$2,805/mo
Today · 4.125%
HK$108,662
baseline
▲ 0.50% · 4.625%
HK$114,390
+HK$5,728/mo
Deposit HK$13.55M · loan HK$20.32M · min. income ≈ HK$217,324/mo (50% DSR)
Upfront cash ≈ HK$14.99M (deposit + AVD stamp duty HK$1,439,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,113
−HK$6,780/mo
▼ 0.25% · 3.875%
HK$111,476
−HK$3,417/mo
Today · 4.125%
HK$114,893
baseline
▲ 0.50% · 4.625%
HK$121,884
+HK$6,991/mo
Deposit HK$10.16M · loan HK$23.71M · min. income ≈ HK$229,786/mo (50% DSR)
Upfront cash ≈ HK$11.60M (deposit + AVD stamp duty HK$1,439,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,275
−HK$6,498/mo
▼ 0.25% · 3.875%
HK$123,500
−HK$3,273/mo
Today · 4.125%
HK$126,773
baseline
▲ 0.50% · 4.625%
HK$133,455
+HK$6,682/mo
Deposit HK$10.16M · loan HK$23.71M · min. income ≈ HK$253,546/mo (50% DSR)
Upfront cash ≈ HK$11.60M (deposit + AVD stamp duty HK$1,439,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,002
−HK$8,717/mo
▼ 0.25% · 3.875%
HK$143,326
−HK$4,393/mo
Today · 4.125%
HK$147,719
baseline
▲ 0.50% · 4.625%
HK$156,707
+HK$8,988/mo
Deposit HK$3.39M · loan HK$30.48M · min. income ≈ HK$295,438/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$1,439,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,639
−HK$8,354/mo
▼ 0.25% · 3.875%
HK$158,786
−HK$4,207/mo
Today · 4.125%
HK$162,993
baseline
▲ 0.50% · 4.625%
HK$171,585
+HK$8,592/mo
Deposit HK$3.39M · loan HK$30.48M · min. income ≈ HK$325,986/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$1,439,313 · Scale 2, in force from 26 Feb 2026)