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$76,896
−HK$4,822/mo
▼ 0.25% · 3.875%
HK$79,287
−HK$2,431/mo
Today · 4.125%
HK$81,718
baseline
▲ 0.50% · 4.625%
HK$86,690
+HK$4,972/mo
Deposit HK$16.86M · loan HK$16.86M · min. income ≈ HK$163,436/mo (50% DSR)
Upfront cash ≈ HK$18.29M (deposit + AVD stamp duty HK$1,433,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,546
−HK$4,621/mo
▼ 0.25% · 3.875%
HK$87,840
−HK$2,327/mo
Today · 4.125%
HK$90,167
baseline
▲ 0.50% · 4.625%
HK$94,920
+HK$4,753/mo
Deposit HK$16.86M · loan HK$16.86M · min. income ≈ HK$180,334/mo (50% DSR)
Upfront cash ≈ HK$18.29M (deposit + AVD stamp duty HK$1,433,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,275
−HK$5,786/mo
▼ 0.25% · 3.875%
HK$95,145
−HK$2,916/mo
Today · 4.125%
HK$98,061
baseline
▲ 0.50% · 4.625%
HK$104,028
+HK$5,967/mo
Deposit HK$13.49M · loan HK$20.23M · min. income ≈ HK$196,122/mo (50% DSR)
Upfront cash ≈ HK$14.92M (deposit + AVD stamp duty HK$1,433,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,655
−HK$5,546/mo
▼ 0.25% · 3.875%
HK$105,408
−HK$2,793/mo
Today · 4.125%
HK$108,201
baseline
▲ 0.50% · 4.625%
HK$113,904
+HK$5,703/mo
Deposit HK$13.49M · loan HK$20.23M · min. income ≈ HK$216,402/mo (50% DSR)
Upfront cash ≈ HK$14.92M (deposit + AVD stamp duty HK$1,433,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,654
−HK$6,751/mo
▼ 0.25% · 3.875%
HK$111,002
−HK$3,403/mo
Today · 4.125%
HK$114,405
baseline
▲ 0.50% · 4.625%
HK$121,366
+HK$6,961/mo
Deposit HK$10.12M · loan HK$23.61M · min. income ≈ HK$228,810/mo (50% DSR)
Upfront cash ≈ HK$11.55M (deposit + AVD stamp duty HK$1,433,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,764
−HK$6,470/mo
▼ 0.25% · 3.875%
HK$122,976
−HK$3,258/mo
Today · 4.125%
HK$126,234
baseline
▲ 0.50% · 4.625%
HK$132,888
+HK$6,654/mo
Deposit HK$10.12M · loan HK$23.61M · min. income ≈ HK$252,468/mo (50% DSR)
Upfront cash ≈ HK$11.55M (deposit + AVD stamp duty HK$1,433,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,412
−HK$8,680/mo
▼ 0.25% · 3.875%
HK$142,717
−HK$4,375/mo
Today · 4.125%
HK$147,092
baseline
▲ 0.50% · 4.625%
HK$156,042
+HK$8,950/mo
Deposit HK$3.37M · loan HK$30.35M · min. income ≈ HK$294,184/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$1,433,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,982
−HK$8,319/mo
▼ 0.25% · 3.875%
HK$158,112
−HK$4,189/mo
Today · 4.125%
HK$162,301
baseline
▲ 0.50% · 4.625%
HK$170,856
+HK$8,555/mo
Deposit HK$3.37M · loan HK$30.35M · min. income ≈ HK$324,602/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$1,433,200 · Scale 2, in force from 26 Feb 2026)