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$77,120
−HK$4,837/mo
▼ 0.25% · 3.875%
HK$79,519
−HK$2,438/mo
Today · 4.125%
HK$81,957
baseline
▲ 0.50% · 4.625%
HK$86,943
+HK$4,986/mo
Deposit HK$16.91M · loan HK$16.91M · min. income ≈ HK$163,914/mo (50% DSR)
Upfront cash ≈ HK$18.35M (deposit + AVD stamp duty HK$1,437,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,796
−HK$4,635/mo
▼ 0.25% · 3.875%
HK$88,097
−HK$2,334/mo
Today · 4.125%
HK$90,431
baseline
▲ 0.50% · 4.625%
HK$95,198
+HK$4,767/mo
Deposit HK$16.91M · loan HK$16.91M · min. income ≈ HK$180,862/mo (50% DSR)
Upfront cash ≈ HK$18.35M (deposit + AVD stamp duty HK$1,437,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,545
−HK$5,803/mo
▼ 0.25% · 3.875%
HK$95,423
−HK$2,925/mo
Today · 4.125%
HK$98,348
baseline
▲ 0.50% · 4.625%
HK$104,332
+HK$5,984/mo
Deposit HK$13.53M · loan HK$20.29M · min. income ≈ HK$196,696/mo (50% DSR)
Upfront cash ≈ HK$14.97M (deposit + AVD stamp duty HK$1,437,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,955
−HK$5,562/mo
▼ 0.25% · 3.875%
HK$105,716
−HK$2,801/mo
Today · 4.125%
HK$108,517
baseline
▲ 0.50% · 4.625%
HK$114,237
+HK$5,720/mo
Deposit HK$13.53M · loan HK$20.29M · min. income ≈ HK$217,034/mo (50% DSR)
Upfront cash ≈ HK$14.97M (deposit + AVD stamp duty HK$1,437,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,969
−HK$6,770/mo
▼ 0.25% · 3.875%
HK$111,327
−HK$3,412/mo
Today · 4.125%
HK$114,739
baseline
▲ 0.50% · 4.625%
HK$121,721
+HK$6,982/mo
Deposit HK$10.15M · loan HK$23.67M · min. income ≈ HK$229,478/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$1,437,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,114
−HK$6,489/mo
▼ 0.25% · 3.875%
HK$123,335
−HK$3,268/mo
Today · 4.125%
HK$126,603
baseline
▲ 0.50% · 4.625%
HK$133,277
+HK$6,674/mo
Deposit HK$10.15M · loan HK$23.67M · min. income ≈ HK$253,206/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$1,437,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,817
−HK$8,705/mo
▼ 0.25% · 3.875%
HK$143,135
−HK$4,387/mo
Today · 4.125%
HK$147,522
baseline
▲ 0.50% · 4.625%
HK$156,498
+HK$8,976/mo
Deposit HK$3.38M · loan HK$30.44M · min. income ≈ HK$295,044/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$1,437,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,432
−HK$8,344/mo
▼ 0.25% · 3.875%
HK$158,574
−HK$4,202/mo
Today · 4.125%
HK$162,776
baseline
▲ 0.50% · 4.625%
HK$171,356
+HK$8,580/mo
Deposit HK$3.38M · loan HK$30.44M · min. income ≈ HK$325,552/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$1,437,391 · Scale 2, in force from 26 Feb 2026)