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$76,954
−HK$4,826/mo
▼ 0.25% · 3.875%
HK$79,348
−HK$2,432/mo
Today · 4.125%
HK$81,780
baseline
▲ 0.50% · 4.625%
HK$86,756
+HK$4,976/mo
Deposit HK$16.87M · loan HK$16.87M · min. income ≈ HK$163,560/mo (50% DSR)
Upfront cash ≈ HK$18.31M (deposit + AVD stamp duty HK$1,434,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,611
−HK$4,625/mo
▼ 0.25% · 3.875%
HK$87,907
−HK$2,329/mo
Today · 4.125%
HK$90,236
baseline
▲ 0.50% · 4.625%
HK$94,993
+HK$4,757/mo
Deposit HK$16.87M · loan HK$16.87M · min. income ≈ HK$180,472/mo (50% DSR)
Upfront cash ≈ HK$18.31M (deposit + AVD stamp duty HK$1,434,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,345
−HK$5,791/mo
▼ 0.25% · 3.875%
HK$95,218
−HK$2,918/mo
Today · 4.125%
HK$98,136
baseline
▲ 0.50% · 4.625%
HK$104,107
+HK$5,971/mo
Deposit HK$13.50M · loan HK$20.25M · min. income ≈ HK$196,272/mo (50% DSR)
Upfront cash ≈ HK$14.93M (deposit + AVD stamp duty HK$1,434,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,733
−HK$5,550/mo
▼ 0.25% · 3.875%
HK$105,488
−HK$2,795/mo
Today · 4.125%
HK$108,283
baseline
▲ 0.50% · 4.625%
HK$113,991
+HK$5,708/mo
Deposit HK$13.50M · loan HK$20.25M · min. income ≈ HK$216,566/mo (50% DSR)
Upfront cash ≈ HK$14.93M (deposit + AVD stamp duty HK$1,434,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,736
−HK$6,756/mo
▼ 0.25% · 3.875%
HK$111,087
−HK$3,405/mo
Today · 4.125%
HK$114,492
baseline
▲ 0.50% · 4.625%
HK$121,458
+HK$6,966/mo
Deposit HK$10.12M · loan HK$23.62M · min. income ≈ HK$228,984/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$1,434,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,855
−HK$6,476/mo
▼ 0.25% · 3.875%
HK$123,070
−HK$3,261/mo
Today · 4.125%
HK$126,331
baseline
▲ 0.50% · 4.625%
HK$132,990
+HK$6,659/mo
Deposit HK$10.12M · loan HK$23.62M · min. income ≈ HK$252,662/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$1,434,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,518
−HK$8,686/mo
▼ 0.25% · 3.875%
HK$142,826
−HK$4,378/mo
Today · 4.125%
HK$147,204
baseline
▲ 0.50% · 4.625%
HK$156,161
+HK$8,957/mo
Deposit HK$3.37M · loan HK$30.37M · min. income ≈ HK$294,408/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$1,434,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,099
−HK$8,326/mo
▼ 0.25% · 3.875%
HK$158,232
−HK$4,193/mo
Today · 4.125%
HK$162,425
baseline
▲ 0.50% · 4.625%
HK$170,987
+HK$8,562/mo
Deposit HK$3.37M · loan HK$30.37M · min. income ≈ HK$324,850/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$1,434,293 · Scale 2, in force from 26 Feb 2026)