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$77,018
−HK$4,830/mo
▼ 0.25% · 3.875%
HK$79,414
−HK$2,434/mo
Today · 4.125%
HK$81,848
baseline
▲ 0.50% · 4.625%
HK$86,828
+HK$4,980/mo
Deposit HK$16.89M · loan HK$16.89M · min. income ≈ HK$163,696/mo (50% DSR)
Upfront cash ≈ HK$18.32M (deposit + AVD stamp duty HK$1,435,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,682
−HK$4,629/mo
▼ 0.25% · 3.875%
HK$87,980
−HK$2,331/mo
Today · 4.125%
HK$90,311
baseline
▲ 0.50% · 4.625%
HK$95,071
+HK$4,760/mo
Deposit HK$16.89M · loan HK$16.89M · min. income ≈ HK$180,622/mo (50% DSR)
Upfront cash ≈ HK$18.32M (deposit + AVD stamp duty HK$1,435,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,422
−HK$5,795/mo
▼ 0.25% · 3.875%
HK$95,297
−HK$2,920/mo
Today · 4.125%
HK$98,217
baseline
▲ 0.50% · 4.625%
HK$104,194
+HK$5,977/mo
Deposit HK$13.51M · loan HK$20.27M · min. income ≈ HK$196,434/mo (50% DSR)
Upfront cash ≈ HK$14.95M (deposit + AVD stamp duty HK$1,435,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,818
−HK$5,555/mo
▼ 0.25% · 3.875%
HK$105,576
−HK$2,797/mo
Today · 4.125%
HK$108,373
baseline
▲ 0.50% · 4.625%
HK$114,086
+HK$5,713/mo
Deposit HK$13.51M · loan HK$20.27M · min. income ≈ HK$216,746/mo (50% DSR)
Upfront cash ≈ HK$14.95M (deposit + AVD stamp duty HK$1,435,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,825
−HK$6,762/mo
▼ 0.25% · 3.875%
HK$111,179
−HK$3,408/mo
Today · 4.125%
HK$114,587
baseline
▲ 0.50% · 4.625%
HK$121,559
+HK$6,972/mo
Deposit HK$10.13M · loan HK$23.64M · min. income ≈ HK$229,174/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$1,435,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,955
−HK$6,480/mo
▼ 0.25% · 3.875%
HK$123,172
−HK$3,263/mo
Today · 4.125%
HK$126,435
baseline
▲ 0.50% · 4.625%
HK$133,100
+HK$6,665/mo
Deposit HK$10.13M · loan HK$23.64M · min. income ≈ HK$252,870/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$1,435,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,633
−HK$8,693/mo
▼ 0.25% · 3.875%
HK$142,945
−HK$4,381/mo
Today · 4.125%
HK$147,326
baseline
▲ 0.50% · 4.625%
HK$156,291
+HK$8,965/mo
Deposit HK$3.38M · loan HK$30.40M · min. income ≈ HK$294,652/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$1,435,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,227
−HK$8,333/mo
▼ 0.25% · 3.875%
HK$158,364
−HK$4,196/mo
Today · 4.125%
HK$162,560
baseline
▲ 0.50% · 4.625%
HK$171,129
+HK$8,569/mo
Deposit HK$3.38M · loan HK$30.40M · min. income ≈ HK$325,120/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$1,435,484 · Scale 2, in force from 26 Feb 2026)