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$77,005
−HK$4,829/mo
▼ 0.25% · 3.875%
HK$79,400
−HK$2,434/mo
Today · 4.125%
HK$81,834
baseline
▲ 0.50% · 4.625%
HK$86,813
+HK$4,979/mo
Deposit HK$16.89M · loan HK$16.89M · min. income ≈ HK$163,668/mo (50% DSR)
Upfront cash ≈ HK$18.32M (deposit + AVD stamp duty HK$1,435,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,667
−HK$4,628/mo
▼ 0.25% · 3.875%
HK$87,965
−HK$2,330/mo
Today · 4.125%
HK$90,295
baseline
▲ 0.50% · 4.625%
HK$95,055
+HK$4,760/mo
Deposit HK$16.89M · loan HK$16.89M · min. income ≈ HK$180,590/mo (50% DSR)
Upfront cash ≈ HK$18.32M (deposit + AVD stamp duty HK$1,435,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,406
−HK$5,794/mo
▼ 0.25% · 3.875%
HK$95,280
−HK$2,920/mo
Today · 4.125%
HK$98,200
baseline
▲ 0.50% · 4.625%
HK$104,176
+HK$5,976/mo
Deposit HK$13.51M · loan HK$20.26M · min. income ≈ HK$196,400/mo (50% DSR)
Upfront cash ≈ HK$14.94M (deposit + AVD stamp duty HK$1,435,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,801
−HK$5,554/mo
▼ 0.25% · 3.875%
HK$105,558
−HK$2,797/mo
Today · 4.125%
HK$108,355
baseline
▲ 0.50% · 4.625%
HK$114,066
+HK$5,711/mo
Deposit HK$13.51M · loan HK$20.26M · min. income ≈ HK$216,710/mo (50% DSR)
Upfront cash ≈ HK$14.94M (deposit + AVD stamp duty HK$1,435,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,807
−HK$6,760/mo
▼ 0.25% · 3.875%
HK$111,160
−HK$3,407/mo
Today · 4.125%
HK$114,567
baseline
▲ 0.50% · 4.625%
HK$121,538
+HK$6,971/mo
Deposit HK$10.13M · loan HK$23.64M · min. income ≈ HK$229,134/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$1,435,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,934
−HK$6,480/mo
▼ 0.25% · 3.875%
HK$123,151
−HK$3,263/mo
Today · 4.125%
HK$126,414
baseline
▲ 0.50% · 4.625%
HK$133,077
+HK$6,663/mo
Deposit HK$10.13M · loan HK$23.64M · min. income ≈ HK$252,828/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$1,435,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,609
−HK$8,692/mo
▼ 0.25% · 3.875%
HK$142,920
−HK$4,381/mo
Today · 4.125%
HK$147,301
baseline
▲ 0.50% · 4.625%
HK$156,264
+HK$8,963/mo
Deposit HK$3.38M · loan HK$30.39M · min. income ≈ HK$294,602/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$1,435,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,201
−HK$8,331/mo
▼ 0.25% · 3.875%
HK$158,336
−HK$4,196/mo
Today · 4.125%
HK$162,532
baseline
▲ 0.50% · 4.625%
HK$171,099
+HK$8,567/mo
Deposit HK$3.38M · loan HK$30.39M · min. income ≈ HK$325,064/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$1,435,237 · Scale 2, in force from 26 Feb 2026)