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$76,954
−HK$4,825/mo
▼ 0.25% · 3.875%
HK$79,347
−HK$2,432/mo
Today · 4.125%
HK$81,779
baseline
▲ 0.50% · 4.625%
HK$86,755
+HK$4,976/mo
Deposit HK$16.87M · loan HK$16.87M · min. income ≈ HK$163,558/mo (50% DSR)
Upfront cash ≈ HK$18.31M (deposit + AVD stamp duty HK$1,434,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,610
−HK$4,625/mo
▼ 0.25% · 3.875%
HK$87,906
−HK$2,329/mo
Today · 4.125%
HK$90,235
baseline
▲ 0.50% · 4.625%
HK$94,992
+HK$4,757/mo
Deposit HK$16.87M · loan HK$16.87M · min. income ≈ HK$180,470/mo (50% DSR)
Upfront cash ≈ HK$18.31M (deposit + AVD stamp duty HK$1,434,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,344
−HK$5,791/mo
▼ 0.25% · 3.875%
HK$95,217
−HK$2,918/mo
Today · 4.125%
HK$98,135
baseline
▲ 0.50% · 4.625%
HK$104,106
+HK$5,971/mo
Deposit HK$13.50M · loan HK$20.25M · min. income ≈ HK$196,270/mo (50% DSR)
Upfront cash ≈ HK$14.93M (deposit + AVD stamp duty HK$1,434,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,732
−HK$5,550/mo
▼ 0.25% · 3.875%
HK$105,487
−HK$2,795/mo
Today · 4.125%
HK$108,282
baseline
▲ 0.50% · 4.625%
HK$113,990
+HK$5,708/mo
Deposit HK$13.50M · loan HK$20.25M · min. income ≈ HK$216,564/mo (50% DSR)
Upfront cash ≈ HK$14.93M (deposit + AVD stamp duty HK$1,434,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,735
−HK$6,756/mo
▼ 0.25% · 3.875%
HK$111,086
−HK$3,405/mo
Today · 4.125%
HK$114,491
baseline
▲ 0.50% · 4.625%
HK$121,457
+HK$6,966/mo
Deposit HK$10.12M · loan HK$23.62M · min. income ≈ HK$228,982/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$1,434,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,854
−HK$6,475/mo
▼ 0.25% · 3.875%
HK$123,069
−HK$3,260/mo
Today · 4.125%
HK$126,329
baseline
▲ 0.50% · 4.625%
HK$132,988
+HK$6,659/mo
Deposit HK$10.12M · loan HK$23.62M · min. income ≈ HK$252,658/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$1,434,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,516
−HK$8,687/mo
▼ 0.25% · 3.875%
HK$142,825
−HK$4,378/mo
Today · 4.125%
HK$147,203
baseline
▲ 0.50% · 4.625%
HK$156,160
+HK$8,957/mo
Deposit HK$3.37M · loan HK$30.37M · min. income ≈ HK$294,406/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$1,434,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,098
−HK$8,326/mo
▼ 0.25% · 3.875%
HK$158,231
−HK$4,193/mo
Today · 4.125%
HK$162,424
baseline
▲ 0.50% · 4.625%
HK$170,985
+HK$8,561/mo
Deposit HK$3.37M · loan HK$30.37M · min. income ≈ HK$324,848/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$1,434,281 · Scale 2, in force from 26 Feb 2026)