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$76,968
−HK$4,827/mo
▼ 0.25% · 3.875%
HK$79,362
−HK$2,433/mo
Today · 4.125%
HK$81,795
baseline
▲ 0.50% · 4.625%
HK$86,772
+HK$4,977/mo
Deposit HK$16.88M · loan HK$16.88M · min. income ≈ HK$163,590/mo (50% DSR)
Upfront cash ≈ HK$18.31M (deposit + AVD stamp duty HK$1,434,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,626
−HK$4,626/mo
▼ 0.25% · 3.875%
HK$87,923
−HK$2,329/mo
Today · 4.125%
HK$90,252
baseline
▲ 0.50% · 4.625%
HK$95,010
+HK$4,758/mo
Deposit HK$16.88M · loan HK$16.88M · min. income ≈ HK$180,504/mo (50% DSR)
Upfront cash ≈ HK$18.31M (deposit + AVD stamp duty HK$1,434,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,362
−HK$5,791/mo
▼ 0.25% · 3.875%
HK$95,235
−HK$2,918/mo
Today · 4.125%
HK$98,153
baseline
▲ 0.50% · 4.625%
HK$104,126
+HK$5,973/mo
Deposit HK$13.50M · loan HK$20.25M · min. income ≈ HK$196,306/mo (50% DSR)
Upfront cash ≈ HK$14.94M (deposit + AVD stamp duty HK$1,434,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,751
−HK$5,552/mo
▼ 0.25% · 3.875%
HK$105,507
−HK$2,796/mo
Today · 4.125%
HK$108,303
baseline
▲ 0.50% · 4.625%
HK$114,011
+HK$5,708/mo
Deposit HK$13.50M · loan HK$20.25M · min. income ≈ HK$216,606/mo (50% DSR)
Upfront cash ≈ HK$14.94M (deposit + AVD stamp duty HK$1,434,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,755
−HK$6,757/mo
▼ 0.25% · 3.875%
HK$111,107
−HK$3,405/mo
Today · 4.125%
HK$114,512
baseline
▲ 0.50% · 4.625%
HK$121,480
+HK$6,968/mo
Deposit HK$10.13M · loan HK$23.63M · min. income ≈ HK$229,024/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$1,434,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,877
−HK$6,476/mo
▼ 0.25% · 3.875%
HK$123,092
−HK$3,261/mo
Today · 4.125%
HK$126,353
baseline
▲ 0.50% · 4.625%
HK$133,013
+HK$6,660/mo
Deposit HK$10.13M · loan HK$23.63M · min. income ≈ HK$252,706/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$1,434,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,542
−HK$8,688/mo
▼ 0.25% · 3.875%
HK$142,852
−HK$4,378/mo
Today · 4.125%
HK$147,230
baseline
▲ 0.50% · 4.625%
HK$156,189
+HK$8,959/mo
Deposit HK$3.38M · loan HK$30.38M · min. income ≈ HK$294,460/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$1,434,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,127
−HK$8,327/mo
▼ 0.25% · 3.875%
HK$158,261
−HK$4,193/mo
Today · 4.125%
HK$162,454
baseline
▲ 0.50% · 4.625%
HK$171,017
+HK$8,563/mo
Deposit HK$3.38M · loan HK$30.38M · min. income ≈ HK$324,908/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$1,434,549 · Scale 2, in force from 26 Feb 2026)