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$76,985
−HK$4,828/mo
▼ 0.25% · 3.875%
HK$79,380
−HK$2,433/mo
Today · 4.125%
HK$81,813
baseline
▲ 0.50% · 4.625%
HK$86,791
+HK$4,978/mo
Deposit HK$16.88M · loan HK$16.88M · min. income ≈ HK$163,626/mo (50% DSR)
Upfront cash ≈ HK$18.32M (deposit + AVD stamp duty HK$1,434,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,645
−HK$4,627/mo
▼ 0.25% · 3.875%
HK$87,942
−HK$2,330/mo
Today · 4.125%
HK$90,272
baseline
▲ 0.50% · 4.625%
HK$95,030
+HK$4,758/mo
Deposit HK$16.88M · loan HK$16.88M · min. income ≈ HK$180,544/mo (50% DSR)
Upfront cash ≈ HK$18.32M (deposit + AVD stamp duty HK$1,434,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,382
−HK$5,793/mo
▼ 0.25% · 3.875%
HK$95,255
−HK$2,920/mo
Today · 4.125%
HK$98,175
baseline
▲ 0.50% · 4.625%
HK$104,149
+HK$5,974/mo
Deposit HK$13.50M · loan HK$20.26M · min. income ≈ HK$196,350/mo (50% DSR)
Upfront cash ≈ HK$14.94M (deposit + AVD stamp duty HK$1,434,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,774
−HK$5,552/mo
▼ 0.25% · 3.875%
HK$105,530
−HK$2,796/mo
Today · 4.125%
HK$108,326
baseline
▲ 0.50% · 4.625%
HK$114,036
+HK$5,710/mo
Deposit HK$13.50M · loan HK$20.26M · min. income ≈ HK$216,652/mo (50% DSR)
Upfront cash ≈ HK$14.94M (deposit + AVD stamp duty HK$1,434,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,779
−HK$6,759/mo
▼ 0.25% · 3.875%
HK$111,131
−HK$3,407/mo
Today · 4.125%
HK$114,538
baseline
▲ 0.50% · 4.625%
HK$121,507
+HK$6,969/mo
Deposit HK$10.13M · loan HK$23.63M · min. income ≈ HK$229,076/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$1,434,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,903
−HK$6,478/mo
▼ 0.25% · 3.875%
HK$123,119
−HK$3,262/mo
Today · 4.125%
HK$126,381
baseline
▲ 0.50% · 4.625%
HK$133,043
+HK$6,662/mo
Deposit HK$10.13M · loan HK$23.63M · min. income ≈ HK$252,762/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$1,434,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,573
−HK$8,690/mo
▼ 0.25% · 3.875%
HK$142,883
−HK$4,380/mo
Today · 4.125%
HK$147,263
baseline
▲ 0.50% · 4.625%
HK$156,223
+HK$8,960/mo
Deposit HK$3.38M · loan HK$30.39M · min. income ≈ HK$294,526/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$1,434,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,161
−HK$8,329/mo
▼ 0.25% · 3.875%
HK$158,295
−HK$4,195/mo
Today · 4.125%
HK$162,490
baseline
▲ 0.50% · 4.625%
HK$171,055
+HK$8,565/mo
Deposit HK$3.38M · loan HK$30.39M · min. income ≈ HK$324,980/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$1,434,864 · Scale 2, in force from 26 Feb 2026)