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$77,080
−HK$4,833/mo
▼ 0.25% · 3.875%
HK$79,477
−HK$2,436/mo
Today · 4.125%
HK$81,913
baseline
▲ 0.50% · 4.625%
HK$86,897
+HK$4,984/mo
Deposit HK$16.90M · loan HK$16.90M · min. income ≈ HK$163,826/mo (50% DSR)
Upfront cash ≈ HK$18.34M (deposit + AVD stamp duty HK$1,436,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,750
−HK$4,633/mo
▼ 0.25% · 3.875%
HK$88,050
−HK$2,333/mo
Today · 4.125%
HK$90,383
baseline
▲ 0.50% · 4.625%
HK$95,147
+HK$4,764/mo
Deposit HK$16.90M · loan HK$16.90M · min. income ≈ HK$180,766/mo (50% DSR)
Upfront cash ≈ HK$18.34M (deposit + AVD stamp duty HK$1,436,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,496
−HK$5,800/mo
▼ 0.25% · 3.875%
HK$95,373
−HK$2,923/mo
Today · 4.125%
HK$98,296
baseline
▲ 0.50% · 4.625%
HK$104,277
+HK$5,981/mo
Deposit HK$13.52M · loan HK$20.28M · min. income ≈ HK$196,592/mo (50% DSR)
Upfront cash ≈ HK$14.96M (deposit + AVD stamp duty HK$1,436,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,900
−HK$5,560/mo
▼ 0.25% · 3.875%
HK$105,660
−HK$2,800/mo
Today · 4.125%
HK$108,460
baseline
▲ 0.50% · 4.625%
HK$114,177
+HK$5,717/mo
Deposit HK$13.52M · loan HK$20.28M · min. income ≈ HK$216,920/mo (50% DSR)
Upfront cash ≈ HK$14.96M (deposit + AVD stamp duty HK$1,436,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,911
−HK$6,767/mo
▼ 0.25% · 3.875%
HK$111,268
−HK$3,410/mo
Today · 4.125%
HK$114,678
baseline
▲ 0.50% · 4.625%
HK$121,656
+HK$6,978/mo
Deposit HK$10.14M · loan HK$23.66M · min. income ≈ HK$229,356/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$1,436,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,050
−HK$6,486/mo
▼ 0.25% · 3.875%
HK$123,270
−HK$3,266/mo
Today · 4.125%
HK$126,536
baseline
▲ 0.50% · 4.625%
HK$133,206
+HK$6,670/mo
Deposit HK$10.14M · loan HK$23.66M · min. income ≈ HK$253,072/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$1,436,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,743
−HK$8,701/mo
▼ 0.25% · 3.875%
HK$143,059
−HK$4,385/mo
Today · 4.125%
HK$147,444
baseline
▲ 0.50% · 4.625%
HK$156,415
+HK$8,971/mo
Deposit HK$3.38M · loan HK$30.42M · min. income ≈ HK$294,888/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$1,436,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,350
−HK$8,340/mo
▼ 0.25% · 3.875%
HK$158,490
−HK$4,200/mo
Today · 4.125%
HK$162,690
baseline
▲ 0.50% · 4.625%
HK$171,265
+HK$8,575/mo
Deposit HK$3.38M · loan HK$30.42M · min. income ≈ HK$325,380/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$1,436,629 · Scale 2, in force from 26 Feb 2026)