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$77,168
−HK$4,839/mo
▼ 0.25% · 3.875%
HK$79,568
−HK$2,439/mo
Today · 4.125%
HK$82,007
baseline
▲ 0.50% · 4.625%
HK$86,997
+HK$4,990/mo
Deposit HK$16.92M · loan HK$16.92M · min. income ≈ HK$164,014/mo (50% DSR)
Upfront cash ≈ HK$18.36M (deposit + AVD stamp duty HK$1,438,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,849
−HK$4,638/mo
▼ 0.25% · 3.875%
HK$88,151
−HK$2,336/mo
Today · 4.125%
HK$90,487
baseline
▲ 0.50% · 4.625%
HK$95,256
+HK$4,769/mo
Deposit HK$16.92M · loan HK$16.92M · min. income ≈ HK$180,974/mo (50% DSR)
Upfront cash ≈ HK$18.36M (deposit + AVD stamp duty HK$1,438,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,602
−HK$5,806/mo
▼ 0.25% · 3.875%
HK$95,482
−HK$2,926/mo
Today · 4.125%
HK$98,408
baseline
▲ 0.50% · 4.625%
HK$104,396
+HK$5,988/mo
Deposit HK$13.54M · loan HK$20.31M · min. income ≈ HK$196,816/mo (50% DSR)
Upfront cash ≈ HK$14.97M (deposit + AVD stamp duty HK$1,438,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,018
−HK$5,566/mo
▼ 0.25% · 3.875%
HK$105,781
−HK$2,803/mo
Today · 4.125%
HK$108,584
baseline
▲ 0.50% · 4.625%
HK$114,308
+HK$5,724/mo
Deposit HK$13.54M · loan HK$20.31M · min. income ≈ HK$217,168/mo (50% DSR)
Upfront cash ≈ HK$14.97M (deposit + AVD stamp duty HK$1,438,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,035
−HK$6,775/mo
▼ 0.25% · 3.875%
HK$111,396
−HK$3,414/mo
Today · 4.125%
HK$114,810
baseline
▲ 0.50% · 4.625%
HK$121,796
+HK$6,986/mo
Deposit HK$10.15M · loan HK$23.69M · min. income ≈ HK$229,620/mo (50% DSR)
Upfront cash ≈ HK$11.59M (deposit + AVD stamp duty HK$1,438,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,188
−HK$6,493/mo
▼ 0.25% · 3.875%
HK$123,411
−HK$3,270/mo
Today · 4.125%
HK$126,681
baseline
▲ 0.50% · 4.625%
HK$133,359
+HK$6,678/mo
Deposit HK$10.15M · loan HK$23.69M · min. income ≈ HK$253,362/mo (50% DSR)
Upfront cash ≈ HK$11.59M (deposit + AVD stamp duty HK$1,438,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,902
−HK$8,711/mo
▼ 0.25% · 3.875%
HK$143,223
−HK$4,390/mo
Today · 4.125%
HK$147,613
baseline
▲ 0.50% · 4.625%
HK$156,595
+HK$8,982/mo
Deposit HK$3.38M · loan HK$30.46M · min. income ≈ HK$295,226/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$1,438,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,527
−HK$8,349/mo
▼ 0.25% · 3.875%
HK$158,672
−HK$4,204/mo
Today · 4.125%
HK$162,876
baseline
▲ 0.50% · 4.625%
HK$171,462
+HK$8,586/mo
Deposit HK$3.38M · loan HK$30.46M · min. income ≈ HK$325,752/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$1,438,277 · Scale 2, in force from 26 Feb 2026)