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$77,013
−HK$4,829/mo
▼ 0.25% · 3.875%
HK$79,408
−HK$2,434/mo
Today · 4.125%
HK$81,842
baseline
▲ 0.50% · 4.625%
HK$86,822
+HK$4,980/mo
Deposit HK$16.89M · loan HK$16.89M · min. income ≈ HK$163,684/mo (50% DSR)
Upfront cash ≈ HK$18.32M (deposit + AVD stamp duty HK$1,435,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,676
−HK$4,629/mo
▼ 0.25% · 3.875%
HK$87,974
−HK$2,331/mo
Today · 4.125%
HK$90,305
baseline
▲ 0.50% · 4.625%
HK$95,065
+HK$4,760/mo
Deposit HK$16.89M · loan HK$16.89M · min. income ≈ HK$180,610/mo (50% DSR)
Upfront cash ≈ HK$18.32M (deposit + AVD stamp duty HK$1,435,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,416
−HK$5,795/mo
▼ 0.25% · 3.875%
HK$95,290
−HK$2,921/mo
Today · 4.125%
HK$98,211
baseline
▲ 0.50% · 4.625%
HK$104,187
+HK$5,976/mo
Deposit HK$13.51M · loan HK$20.26M · min. income ≈ HK$196,422/mo (50% DSR)
Upfront cash ≈ HK$14.94M (deposit + AVD stamp duty HK$1,435,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,811
−HK$5,555/mo
▼ 0.25% · 3.875%
HK$105,569
−HK$2,797/mo
Today · 4.125%
HK$108,366
baseline
▲ 0.50% · 4.625%
HK$114,078
+HK$5,712/mo
Deposit HK$13.51M · loan HK$20.26M · min. income ≈ HK$216,732/mo (50% DSR)
Upfront cash ≈ HK$14.94M (deposit + AVD stamp duty HK$1,435,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,818
−HK$6,761/mo
▼ 0.25% · 3.875%
HK$111,172
−HK$3,407/mo
Today · 4.125%
HK$114,579
baseline
▲ 0.50% · 4.625%
HK$121,551
+HK$6,972/mo
Deposit HK$10.13M · loan HK$23.64M · min. income ≈ HK$229,158/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$1,435,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,947
−HK$6,480/mo
▼ 0.25% · 3.875%
HK$123,163
−HK$3,264/mo
Today · 4.125%
HK$126,427
baseline
▲ 0.50% · 4.625%
HK$133,091
+HK$6,664/mo
Deposit HK$10.13M · loan HK$23.64M · min. income ≈ HK$252,854/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$1,435,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,623
−HK$8,693/mo
▼ 0.25% · 3.875%
HK$142,935
−HK$4,381/mo
Today · 4.125%
HK$147,316
baseline
▲ 0.50% · 4.625%
HK$156,280
+HK$8,964/mo
Deposit HK$3.38M · loan HK$30.40M · min. income ≈ HK$294,632/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$1,435,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,217
−HK$8,332/mo
▼ 0.25% · 3.875%
HK$158,353
−HK$4,196/mo
Today · 4.125%
HK$162,549
baseline
▲ 0.50% · 4.625%
HK$171,117
+HK$8,568/mo
Deposit HK$3.38M · loan HK$30.40M · min. income ≈ HK$325,098/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$1,435,387 · Scale 2, in force from 26 Feb 2026)