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$76,941
−HK$4,825/mo
▼ 0.25% · 3.875%
HK$79,334
−HK$2,432/mo
Today · 4.125%
HK$81,766
baseline
▲ 0.50% · 4.625%
HK$86,741
+HK$4,975/mo
Deposit HK$16.87M · loan HK$16.87M · min. income ≈ HK$163,532/mo (50% DSR)
Upfront cash ≈ HK$18.31M (deposit + AVD stamp duty HK$1,434,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,596
−HK$4,624/mo
▼ 0.25% · 3.875%
HK$87,892
−HK$2,328/mo
Today · 4.125%
HK$90,220
baseline
▲ 0.50% · 4.625%
HK$94,976
+HK$4,756/mo
Deposit HK$16.87M · loan HK$16.87M · min. income ≈ HK$180,440/mo (50% DSR)
Upfront cash ≈ HK$18.31M (deposit + AVD stamp duty HK$1,434,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,329
−HK$5,790/mo
▼ 0.25% · 3.875%
HK$95,201
−HK$2,918/mo
Today · 4.125%
HK$98,119
baseline
▲ 0.50% · 4.625%
HK$104,089
+HK$5,970/mo
Deposit HK$13.50M · loan HK$20.25M · min. income ≈ HK$196,238/mo (50% DSR)
Upfront cash ≈ HK$14.93M (deposit + AVD stamp duty HK$1,434,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,715
−HK$5,549/mo
▼ 0.25% · 3.875%
HK$105,470
−HK$2,794/mo
Today · 4.125%
HK$108,264
baseline
▲ 0.50% · 4.625%
HK$113,971
+HK$5,707/mo
Deposit HK$13.50M · loan HK$20.25M · min. income ≈ HK$216,528/mo (50% DSR)
Upfront cash ≈ HK$14.93M (deposit + AVD stamp duty HK$1,434,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,717
−HK$6,755/mo
▼ 0.25% · 3.875%
HK$111,068
−HK$3,404/mo
Today · 4.125%
HK$114,472
baseline
▲ 0.50% · 4.625%
HK$121,437
+HK$6,965/mo
Deposit HK$10.12M · loan HK$23.62M · min. income ≈ HK$228,944/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$1,434,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,834
−HK$6,474/mo
▼ 0.25% · 3.875%
HK$123,048
−HK$3,260/mo
Today · 4.125%
HK$126,308
baseline
▲ 0.50% · 4.625%
HK$132,966
+HK$6,658/mo
Deposit HK$10.12M · loan HK$23.62M · min. income ≈ HK$252,616/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$1,434,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,493
−HK$8,685/mo
▼ 0.25% · 3.875%
HK$142,801
−HK$4,377/mo
Today · 4.125%
HK$147,178
baseline
▲ 0.50% · 4.625%
HK$156,134
+HK$8,956/mo
Deposit HK$3.37M · loan HK$30.37M · min. income ≈ HK$294,356/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$1,434,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,073
−HK$8,324/mo
▼ 0.25% · 3.875%
HK$158,205
−HK$4,192/mo
Today · 4.125%
HK$162,397
baseline
▲ 0.50% · 4.625%
HK$170,957
+HK$8,560/mo
Deposit HK$3.37M · loan HK$30.37M · min. income ≈ HK$324,794/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$1,434,043 · Scale 2, in force from 26 Feb 2026)