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$77,087
−HK$4,834/mo
▼ 0.25% · 3.875%
HK$79,484
−HK$2,437/mo
Today · 4.125%
HK$81,921
baseline
▲ 0.50% · 4.625%
HK$86,905
+HK$4,984/mo
Deposit HK$16.90M · loan HK$16.90M · min. income ≈ HK$163,842/mo (50% DSR)
Upfront cash ≈ HK$18.34M (deposit + AVD stamp duty HK$1,436,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,758
−HK$4,633/mo
▼ 0.25% · 3.875%
HK$88,058
−HK$2,333/mo
Today · 4.125%
HK$90,391
baseline
▲ 0.50% · 4.625%
HK$95,156
+HK$4,765/mo
Deposit HK$16.90M · loan HK$16.90M · min. income ≈ HK$180,782/mo (50% DSR)
Upfront cash ≈ HK$18.34M (deposit + AVD stamp duty HK$1,436,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,504
−HK$5,801/mo
▼ 0.25% · 3.875%
HK$95,381
−HK$2,924/mo
Today · 4.125%
HK$98,305
baseline
▲ 0.50% · 4.625%
HK$104,286
+HK$5,981/mo
Deposit HK$13.52M · loan HK$20.28M · min. income ≈ HK$196,610/mo (50% DSR)
Upfront cash ≈ HK$14.96M (deposit + AVD stamp duty HK$1,436,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,910
−HK$5,560/mo
▼ 0.25% · 3.875%
HK$105,670
−HK$2,800/mo
Today · 4.125%
HK$108,470
baseline
▲ 0.50% · 4.625%
HK$114,187
+HK$5,717/mo
Deposit HK$13.52M · loan HK$20.28M · min. income ≈ HK$216,940/mo (50% DSR)
Upfront cash ≈ HK$14.96M (deposit + AVD stamp duty HK$1,436,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,921
−HK$6,768/mo
▼ 0.25% · 3.875%
HK$111,278
−HK$3,411/mo
Today · 4.125%
HK$114,689
baseline
▲ 0.50% · 4.625%
HK$121,667
+HK$6,978/mo
Deposit HK$10.14M · loan HK$23.66M · min. income ≈ HK$229,378/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$1,436,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,061
−HK$6,487/mo
▼ 0.25% · 3.875%
HK$123,281
−HK$3,267/mo
Today · 4.125%
HK$126,548
baseline
▲ 0.50% · 4.625%
HK$133,218
+HK$6,670/mo
Deposit HK$10.14M · loan HK$23.66M · min. income ≈ HK$253,096/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$1,436,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,756
−HK$8,701/mo
▼ 0.25% · 3.875%
HK$143,072
−HK$4,385/mo
Today · 4.125%
HK$147,457
baseline
▲ 0.50% · 4.625%
HK$156,429
+HK$8,972/mo
Deposit HK$3.38M · loan HK$30.43M · min. income ≈ HK$294,914/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$1,436,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,365
−HK$8,339/mo
▼ 0.25% · 3.875%
HK$158,504
−HK$4,200/mo
Today · 4.125%
HK$162,704
baseline
▲ 0.50% · 4.625%
HK$171,281
+HK$8,577/mo
Deposit HK$3.38M · loan HK$30.43M · min. income ≈ HK$325,408/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$1,436,760 · Scale 2, in force from 26 Feb 2026)