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$77,043
−HK$4,831/mo
▼ 0.25% · 3.875%
HK$79,439
−HK$2,435/mo
Today · 4.125%
HK$81,874
baseline
▲ 0.50% · 4.625%
HK$86,856
+HK$4,982/mo
Deposit HK$16.89M · loan HK$16.89M · min. income ≈ HK$163,748/mo (50% DSR)
Upfront cash ≈ HK$18.33M (deposit + AVD stamp duty HK$1,435,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,709
−HK$4,631/mo
▼ 0.25% · 3.875%
HK$88,008
−HK$2,332/mo
Today · 4.125%
HK$90,340
baseline
▲ 0.50% · 4.625%
HK$95,102
+HK$4,762/mo
Deposit HK$16.89M · loan HK$16.89M · min. income ≈ HK$180,680/mo (50% DSR)
Upfront cash ≈ HK$18.33M (deposit + AVD stamp duty HK$1,435,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,451
−HK$5,798/mo
▼ 0.25% · 3.875%
HK$95,327
−HK$2,922/mo
Today · 4.125%
HK$98,249
baseline
▲ 0.50% · 4.625%
HK$104,227
+HK$5,978/mo
Deposit HK$13.51M · loan HK$20.27M · min. income ≈ HK$196,498/mo (50% DSR)
Upfront cash ≈ HK$14.95M (deposit + AVD stamp duty HK$1,435,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,851
−HK$5,557/mo
▼ 0.25% · 3.875%
HK$105,610
−HK$2,798/mo
Today · 4.125%
HK$108,408
baseline
▲ 0.50% · 4.625%
HK$114,122
+HK$5,714/mo
Deposit HK$13.51M · loan HK$20.27M · min. income ≈ HK$216,816/mo (50% DSR)
Upfront cash ≈ HK$14.95M (deposit + AVD stamp duty HK$1,435,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,860
−HK$6,764/mo
▼ 0.25% · 3.875%
HK$111,215
−HK$3,409/mo
Today · 4.125%
HK$114,624
baseline
▲ 0.50% · 4.625%
HK$121,598
+HK$6,974/mo
Deposit HK$10.14M · loan HK$23.65M · min. income ≈ HK$229,248/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$1,435,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,993
−HK$6,483/mo
▼ 0.25% · 3.875%
HK$123,211
−HK$3,265/mo
Today · 4.125%
HK$126,476
baseline
▲ 0.50% · 4.625%
HK$133,143
+HK$6,667/mo
Deposit HK$10.14M · loan HK$23.65M · min. income ≈ HK$252,952/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$1,435,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,677
−HK$8,696/mo
▼ 0.25% · 3.875%
HK$142,991
−HK$4,382/mo
Today · 4.125%
HK$147,373
baseline
▲ 0.50% · 4.625%
HK$156,340
+HK$8,967/mo
Deposit HK$3.38M · loan HK$30.41M · min. income ≈ HK$294,746/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$1,435,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,277
−HK$8,335/mo
▼ 0.25% · 3.875%
HK$158,414
−HK$4,198/mo
Today · 4.125%
HK$162,612
baseline
▲ 0.50% · 4.625%
HK$171,183
+HK$8,571/mo
Deposit HK$3.38M · loan HK$30.41M · min. income ≈ HK$325,224/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$1,435,943 · Scale 2, in force from 26 Feb 2026)