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$76,999
−HK$4,828/mo
▼ 0.25% · 3.875%
HK$79,394
−HK$2,433/mo
Today · 4.125%
HK$81,827
baseline
▲ 0.50% · 4.625%
HK$86,806
+HK$4,979/mo
Deposit HK$16.88M · loan HK$16.88M · min. income ≈ HK$163,654/mo (50% DSR)
Upfront cash ≈ HK$18.32M (deposit + AVD stamp duty HK$1,435,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,660
−HK$4,628/mo
▼ 0.25% · 3.875%
HK$87,958
−HK$2,330/mo
Today · 4.125%
HK$90,288
baseline
▲ 0.50% · 4.625%
HK$95,048
+HK$4,760/mo
Deposit HK$16.88M · loan HK$16.88M · min. income ≈ HK$180,576/mo (50% DSR)
Upfront cash ≈ HK$18.32M (deposit + AVD stamp duty HK$1,435,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,399
−HK$5,794/mo
▼ 0.25% · 3.875%
HK$95,273
−HK$2,920/mo
Today · 4.125%
HK$98,193
baseline
▲ 0.50% · 4.625%
HK$104,168
+HK$5,975/mo
Deposit HK$13.51M · loan HK$20.26M · min. income ≈ HK$196,386/mo (50% DSR)
Upfront cash ≈ HK$14.94M (deposit + AVD stamp duty HK$1,435,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,792
−HK$5,554/mo
▼ 0.25% · 3.875%
HK$105,549
−HK$2,797/mo
Today · 4.125%
HK$108,346
baseline
▲ 0.50% · 4.625%
HK$114,057
+HK$5,711/mo
Deposit HK$13.51M · loan HK$20.26M · min. income ≈ HK$216,692/mo (50% DSR)
Upfront cash ≈ HK$14.94M (deposit + AVD stamp duty HK$1,435,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,798
−HK$6,760/mo
▼ 0.25% · 3.875%
HK$111,151
−HK$3,407/mo
Today · 4.125%
HK$114,558
baseline
▲ 0.50% · 4.625%
HK$121,529
+HK$6,971/mo
Deposit HK$10.13M · loan HK$23.64M · min. income ≈ HK$229,116/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$1,435,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,925
−HK$6,479/mo
▼ 0.25% · 3.875%
HK$123,141
−HK$3,263/mo
Today · 4.125%
HK$126,404
baseline
▲ 0.50% · 4.625%
HK$133,067
+HK$6,663/mo
Deposit HK$10.13M · loan HK$23.64M · min. income ≈ HK$252,808/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$1,435,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,598
−HK$8,691/mo
▼ 0.25% · 3.875%
HK$142,909
−HK$4,380/mo
Today · 4.125%
HK$147,289
baseline
▲ 0.50% · 4.625%
HK$156,251
+HK$8,962/mo
Deposit HK$3.38M · loan HK$30.39M · min. income ≈ HK$294,578/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$1,435,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,189
−HK$8,330/mo
▼ 0.25% · 3.875%
HK$158,324
−HK$4,195/mo
Today · 4.125%
HK$162,519
baseline
▲ 0.50% · 4.625%
HK$171,086
+HK$8,567/mo
Deposit HK$3.38M · loan HK$30.39M · min. income ≈ HK$325,038/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$1,435,124 · Scale 2, in force from 26 Feb 2026)