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$77,038
−HK$4,831/mo
▼ 0.25% · 3.875%
HK$79,435
−HK$2,434/mo
Today · 4.125%
HK$81,869
baseline
▲ 0.50% · 4.625%
HK$86,851
+HK$4,982/mo
Deposit HK$16.89M · loan HK$16.89M · min. income ≈ HK$163,738/mo (50% DSR)
Upfront cash ≈ HK$18.33M (deposit + AVD stamp duty HK$1,435,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,704
−HK$4,631/mo
▼ 0.25% · 3.875%
HK$88,003
−HK$2,332/mo
Today · 4.125%
HK$90,335
baseline
▲ 0.50% · 4.625%
HK$95,096
+HK$4,761/mo
Deposit HK$16.89M · loan HK$16.89M · min. income ≈ HK$180,670/mo (50% DSR)
Upfront cash ≈ HK$18.33M (deposit + AVD stamp duty HK$1,435,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,446
−HK$5,797/mo
▼ 0.25% · 3.875%
HK$95,321
−HK$2,922/mo
Today · 4.125%
HK$98,243
baseline
▲ 0.50% · 4.625%
HK$104,221
+HK$5,978/mo
Deposit HK$13.51M · loan HK$20.27M · min. income ≈ HK$196,486/mo (50% DSR)
Upfront cash ≈ HK$14.95M (deposit + AVD stamp duty HK$1,435,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,845
−HK$5,557/mo
▼ 0.25% · 3.875%
HK$105,603
−HK$2,799/mo
Today · 4.125%
HK$108,402
baseline
▲ 0.50% · 4.625%
HK$114,116
+HK$5,714/mo
Deposit HK$13.51M · loan HK$20.27M · min. income ≈ HK$216,804/mo (50% DSR)
Upfront cash ≈ HK$14.95M (deposit + AVD stamp duty HK$1,435,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,854
−HK$6,763/mo
▼ 0.25% · 3.875%
HK$111,208
−HK$3,409/mo
Today · 4.125%
HK$114,617
baseline
▲ 0.50% · 4.625%
HK$121,591
+HK$6,974/mo
Deposit HK$10.14M · loan HK$23.65M · min. income ≈ HK$229,234/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$1,435,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,986
−HK$6,482/mo
▼ 0.25% · 3.875%
HK$123,204
−HK$3,264/mo
Today · 4.125%
HK$126,468
baseline
▲ 0.50% · 4.625%
HK$133,135
+HK$6,667/mo
Deposit HK$10.14M · loan HK$23.65M · min. income ≈ HK$252,936/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$1,435,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,669
−HK$8,696/mo
▼ 0.25% · 3.875%
HK$142,982
−HK$4,383/mo
Today · 4.125%
HK$147,365
baseline
▲ 0.50% · 4.625%
HK$156,331
+HK$8,966/mo
Deposit HK$3.38M · loan HK$30.41M · min. income ≈ HK$294,730/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$1,435,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,268
−HK$8,334/mo
▼ 0.25% · 3.875%
HK$158,405
−HK$4,197/mo
Today · 4.125%
HK$162,602
baseline
▲ 0.50% · 4.625%
HK$171,173
+HK$8,571/mo
Deposit HK$3.38M · loan HK$30.41M · min. income ≈ HK$325,204/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$1,435,859 · Scale 2, in force from 26 Feb 2026)