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$77,008
−HK$4,829/mo
▼ 0.25% · 3.875%
HK$79,404
−HK$2,433/mo
Today · 4.125%
HK$81,837
baseline
▲ 0.50% · 4.625%
HK$86,817
+HK$4,980/mo
Deposit HK$16.89M · loan HK$16.89M · min. income ≈ HK$163,674/mo (50% DSR)
Upfront cash ≈ HK$18.32M (deposit + AVD stamp duty HK$1,435,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,671
−HK$4,628/mo
▼ 0.25% · 3.875%
HK$87,968
−HK$2,331/mo
Today · 4.125%
HK$90,299
baseline
▲ 0.50% · 4.625%
HK$95,059
+HK$4,760/mo
Deposit HK$16.89M · loan HK$16.89M · min. income ≈ HK$180,598/mo (50% DSR)
Upfront cash ≈ HK$18.32M (deposit + AVD stamp duty HK$1,435,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,410
−HK$5,795/mo
▼ 0.25% · 3.875%
HK$95,284
−HK$2,921/mo
Today · 4.125%
HK$98,205
baseline
▲ 0.50% · 4.625%
HK$104,180
+HK$5,975/mo
Deposit HK$13.51M · loan HK$20.26M · min. income ≈ HK$196,410/mo (50% DSR)
Upfront cash ≈ HK$14.94M (deposit + AVD stamp duty HK$1,435,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,805
−HK$5,554/mo
▼ 0.25% · 3.875%
HK$105,562
−HK$2,797/mo
Today · 4.125%
HK$108,359
baseline
▲ 0.50% · 4.625%
HK$114,071
+HK$5,712/mo
Deposit HK$13.51M · loan HK$20.26M · min. income ≈ HK$216,718/mo (50% DSR)
Upfront cash ≈ HK$14.94M (deposit + AVD stamp duty HK$1,435,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,811
−HK$6,761/mo
▼ 0.25% · 3.875%
HK$111,165
−HK$3,407/mo
Today · 4.125%
HK$114,572
baseline
▲ 0.50% · 4.625%
HK$121,544
+HK$6,972/mo
Deposit HK$10.13M · loan HK$23.64M · min. income ≈ HK$229,144/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$1,435,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,939
−HK$6,480/mo
▼ 0.25% · 3.875%
HK$123,156
−HK$3,263/mo
Today · 4.125%
HK$126,419
baseline
▲ 0.50% · 4.625%
HK$133,083
+HK$6,664/mo
Deposit HK$10.13M · loan HK$23.64M · min. income ≈ HK$252,838/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$1,435,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,615
−HK$8,692/mo
▼ 0.25% · 3.875%
HK$142,926
−HK$4,381/mo
Today · 4.125%
HK$147,307
baseline
▲ 0.50% · 4.625%
HK$156,270
+HK$8,963/mo
Deposit HK$3.38M · loan HK$30.39M · min. income ≈ HK$294,614/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$1,435,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,207
−HK$8,332/mo
▼ 0.25% · 3.875%
HK$158,343
−HK$4,196/mo
Today · 4.125%
HK$162,539
baseline
▲ 0.50% · 4.625%
HK$171,106
+HK$8,567/mo
Deposit HK$3.38M · loan HK$30.39M · min. income ≈ HK$325,078/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$1,435,298 · Scale 2, in force from 26 Feb 2026)