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$77,057
−HK$4,832/mo
▼ 0.25% · 3.875%
HK$79,454
−HK$2,435/mo
Today · 4.125%
HK$81,889
baseline
▲ 0.50% · 4.625%
HK$86,872
+HK$4,983/mo
Deposit HK$16.90M · loan HK$16.90M · min. income ≈ HK$163,778/mo (50% DSR)
Upfront cash ≈ HK$18.33M (deposit + AVD stamp duty HK$1,436,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,725
−HK$4,631/mo
▼ 0.25% · 3.875%
HK$88,024
−HK$2,332/mo
Today · 4.125%
HK$90,356
baseline
▲ 0.50% · 4.625%
HK$95,119
+HK$4,763/mo
Deposit HK$16.90M · loan HK$16.90M · min. income ≈ HK$180,712/mo (50% DSR)
Upfront cash ≈ HK$18.33M (deposit + AVD stamp duty HK$1,436,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,468
−HK$5,799/mo
▼ 0.25% · 3.875%
HK$95,344
−HK$2,923/mo
Today · 4.125%
HK$98,267
baseline
▲ 0.50% · 4.625%
HK$104,246
+HK$5,979/mo
Deposit HK$13.52M · loan HK$20.28M · min. income ≈ HK$196,534/mo (50% DSR)
Upfront cash ≈ HK$14.95M (deposit + AVD stamp duty HK$1,436,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,870
−HK$5,558/mo
▼ 0.25% · 3.875%
HK$105,629
−HK$2,799/mo
Today · 4.125%
HK$108,428
baseline
▲ 0.50% · 4.625%
HK$114,143
+HK$5,715/mo
Deposit HK$13.52M · loan HK$20.28M · min. income ≈ HK$216,856/mo (50% DSR)
Upfront cash ≈ HK$14.95M (deposit + AVD stamp duty HK$1,436,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,879
−HK$6,765/mo
▼ 0.25% · 3.875%
HK$111,235
−HK$3,409/mo
Today · 4.125%
HK$114,644
baseline
▲ 0.50% · 4.625%
HK$121,620
+HK$6,976/mo
Deposit HK$10.14M · loan HK$23.66M · min. income ≈ HK$229,288/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$1,436,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,015
−HK$6,484/mo
▼ 0.25% · 3.875%
HK$123,234
−HK$3,265/mo
Today · 4.125%
HK$126,499
baseline
▲ 0.50% · 4.625%
HK$133,167
+HK$6,668/mo
Deposit HK$10.14M · loan HK$23.66M · min. income ≈ HK$252,998/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$1,436,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,702
−HK$8,698/mo
▼ 0.25% · 3.875%
HK$143,017
−HK$4,383/mo
Today · 4.125%
HK$147,400
baseline
▲ 0.50% · 4.625%
HK$156,369
+HK$8,969/mo
Deposit HK$3.38M · loan HK$30.41M · min. income ≈ HK$294,800/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$1,436,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,305
−HK$8,336/mo
▼ 0.25% · 3.875%
HK$158,443
−HK$4,198/mo
Today · 4.125%
HK$162,641
baseline
▲ 0.50% · 4.625%
HK$171,214
+HK$8,573/mo
Deposit HK$3.38M · loan HK$30.41M · min. income ≈ HK$325,282/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$1,436,204 · Scale 2, in force from 26 Feb 2026)