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$76,986
−HK$4,828/mo
▼ 0.25% · 3.875%
HK$79,381
−HK$2,433/mo
Today · 4.125%
HK$81,814
baseline
▲ 0.50% · 4.625%
HK$86,792
+HK$4,978/mo
Deposit HK$16.88M · loan HK$16.88M · min. income ≈ HK$163,628/mo (50% DSR)
Upfront cash ≈ HK$18.32M (deposit + AVD stamp duty HK$1,434,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,647
−HK$4,627/mo
▼ 0.25% · 3.875%
HK$87,944
−HK$2,330/mo
Today · 4.125%
HK$90,274
baseline
▲ 0.50% · 4.625%
HK$95,032
+HK$4,758/mo
Deposit HK$16.88M · loan HK$16.88M · min. income ≈ HK$180,548/mo (50% DSR)
Upfront cash ≈ HK$18.32M (deposit + AVD stamp duty HK$1,434,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,384
−HK$5,793/mo
▼ 0.25% · 3.875%
HK$95,257
−HK$2,920/mo
Today · 4.125%
HK$98,177
baseline
▲ 0.50% · 4.625%
HK$104,151
+HK$5,974/mo
Deposit HK$13.50M · loan HK$20.26M · min. income ≈ HK$196,354/mo (50% DSR)
Upfront cash ≈ HK$14.94M (deposit + AVD stamp duty HK$1,434,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,776
−HK$5,553/mo
▼ 0.25% · 3.875%
HK$105,532
−HK$2,797/mo
Today · 4.125%
HK$108,329
baseline
▲ 0.50% · 4.625%
HK$114,039
+HK$5,710/mo
Deposit HK$13.50M · loan HK$20.26M · min. income ≈ HK$216,658/mo (50% DSR)
Upfront cash ≈ HK$14.94M (deposit + AVD stamp duty HK$1,434,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,781
−HK$6,759/mo
▼ 0.25% · 3.875%
HK$111,134
−HK$3,406/mo
Today · 4.125%
HK$114,540
baseline
▲ 0.50% · 4.625%
HK$121,509
+HK$6,969/mo
Deposit HK$10.13M · loan HK$23.63M · min. income ≈ HK$229,080/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$1,434,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,905
−HK$6,478/mo
▼ 0.25% · 3.875%
HK$123,121
−HK$3,262/mo
Today · 4.125%
HK$126,383
baseline
▲ 0.50% · 4.625%
HK$133,045
+HK$6,662/mo
Deposit HK$10.13M · loan HK$23.63M · min. income ≈ HK$252,766/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$1,434,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,576
−HK$8,689/mo
▼ 0.25% · 3.875%
HK$142,886
−HK$4,379/mo
Today · 4.125%
HK$147,265
baseline
▲ 0.50% · 4.625%
HK$156,226
+HK$8,961/mo
Deposit HK$3.38M · loan HK$30.39M · min. income ≈ HK$294,530/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$1,434,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,164
−HK$8,329/mo
▼ 0.25% · 3.875%
HK$158,298
−HK$4,195/mo
Today · 4.125%
HK$162,493
baseline
▲ 0.50% · 4.625%
HK$171,058
+HK$8,565/mo
Deposit HK$3.38M · loan HK$30.39M · min. income ≈ HK$324,986/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$1,434,892 · Scale 2, in force from 26 Feb 2026)