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$77,002
−HK$4,829/mo
▼ 0.25% · 3.875%
HK$79,397
−HK$2,434/mo
Today · 4.125%
HK$81,831
baseline
▲ 0.50% · 4.625%
HK$86,810
+HK$4,979/mo
Deposit HK$16.88M · loan HK$16.88M · min. income ≈ HK$163,662/mo (50% DSR)
Upfront cash ≈ HK$18.32M (deposit + AVD stamp duty HK$1,435,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,664
−HK$4,628/mo
▼ 0.25% · 3.875%
HK$87,961
−HK$2,331/mo
Today · 4.125%
HK$90,292
baseline
▲ 0.50% · 4.625%
HK$95,051
+HK$4,759/mo
Deposit HK$16.88M · loan HK$16.88M · min. income ≈ HK$180,584/mo (50% DSR)
Upfront cash ≈ HK$18.32M (deposit + AVD stamp duty HK$1,435,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,402
−HK$5,795/mo
▼ 0.25% · 3.875%
HK$95,276
−HK$2,921/mo
Today · 4.125%
HK$98,197
baseline
▲ 0.50% · 4.625%
HK$104,172
+HK$5,975/mo
Deposit HK$13.51M · loan HK$20.26M · min. income ≈ HK$196,394/mo (50% DSR)
Upfront cash ≈ HK$14.94M (deposit + AVD stamp duty HK$1,435,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,797
−HK$5,553/mo
▼ 0.25% · 3.875%
HK$105,553
−HK$2,797/mo
Today · 4.125%
HK$108,350
baseline
▲ 0.50% · 4.625%
HK$114,062
+HK$5,712/mo
Deposit HK$13.51M · loan HK$20.26M · min. income ≈ HK$216,700/mo (50% DSR)
Upfront cash ≈ HK$14.94M (deposit + AVD stamp duty HK$1,435,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,803
−HK$6,760/mo
▼ 0.25% · 3.875%
HK$111,156
−HK$3,407/mo
Today · 4.125%
HK$114,563
baseline
▲ 0.50% · 4.625%
HK$121,534
+HK$6,971/mo
Deposit HK$10.13M · loan HK$23.64M · min. income ≈ HK$229,126/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$1,435,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,929
−HK$6,480/mo
▼ 0.25% · 3.875%
HK$123,146
−HK$3,263/mo
Today · 4.125%
HK$126,409
baseline
▲ 0.50% · 4.625%
HK$133,072
+HK$6,663/mo
Deposit HK$10.13M · loan HK$23.64M · min. income ≈ HK$252,818/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$1,435,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,603
−HK$8,692/mo
▼ 0.25% · 3.875%
HK$142,915
−HK$4,380/mo
Today · 4.125%
HK$147,295
baseline
▲ 0.50% · 4.625%
HK$156,258
+HK$8,963/mo
Deposit HK$3.38M · loan HK$30.39M · min. income ≈ HK$294,590/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$1,435,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,195
−HK$8,330/mo
▼ 0.25% · 3.875%
HK$158,330
−HK$4,195/mo
Today · 4.125%
HK$162,525
baseline
▲ 0.50% · 4.625%
HK$171,092
+HK$8,567/mo
Deposit HK$3.38M · loan HK$30.39M · min. income ≈ HK$325,050/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$1,435,181 · Scale 2, in force from 26 Feb 2026)