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$77,137
−HK$4,837/mo
▼ 0.25% · 3.875%
HK$79,536
−HK$2,438/mo
Today · 4.125%
HK$81,974
baseline
▲ 0.50% · 4.625%
HK$86,962
+HK$4,988/mo
Deposit HK$16.91M · loan HK$16.91M · min. income ≈ HK$163,948/mo (50% DSR)
Upfront cash ≈ HK$18.35M (deposit + AVD stamp duty HK$1,437,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,814
−HK$4,636/mo
▼ 0.25% · 3.875%
HK$88,115
−HK$2,335/mo
Today · 4.125%
HK$90,450
baseline
▲ 0.50% · 4.625%
HK$95,218
+HK$4,768/mo
Deposit HK$16.91M · loan HK$16.91M · min. income ≈ HK$180,900/mo (50% DSR)
Upfront cash ≈ HK$18.35M (deposit + AVD stamp duty HK$1,437,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,564
−HK$5,805/mo
▼ 0.25% · 3.875%
HK$95,444
−HK$2,925/mo
Today · 4.125%
HK$98,369
baseline
▲ 0.50% · 4.625%
HK$104,354
+HK$5,985/mo
Deposit HK$13.53M · loan HK$20.30M · min. income ≈ HK$196,738/mo (50% DSR)
Upfront cash ≈ HK$14.97M (deposit + AVD stamp duty HK$1,437,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,977
−HK$5,563/mo
▼ 0.25% · 3.875%
HK$105,739
−HK$2,801/mo
Today · 4.125%
HK$108,540
baseline
▲ 0.50% · 4.625%
HK$114,262
+HK$5,722/mo
Deposit HK$13.53M · loan HK$20.30M · min. income ≈ HK$217,080/mo (50% DSR)
Upfront cash ≈ HK$14.97M (deposit + AVD stamp duty HK$1,437,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,992
−HK$6,772/mo
▼ 0.25% · 3.875%
HK$111,351
−HK$3,413/mo
Today · 4.125%
HK$114,764
baseline
▲ 0.50% · 4.625%
HK$121,747
+HK$6,983/mo
Deposit HK$10.15M · loan HK$23.68M · min. income ≈ HK$229,528/mo (50% DSR)
Upfront cash ≈ HK$11.59M (deposit + AVD stamp duty HK$1,437,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,140
−HK$6,490/mo
▼ 0.25% · 3.875%
HK$123,362
−HK$3,268/mo
Today · 4.125%
HK$126,630
baseline
▲ 0.50% · 4.625%
HK$133,305
+HK$6,675/mo
Deposit HK$10.15M · loan HK$23.68M · min. income ≈ HK$253,260/mo (50% DSR)
Upfront cash ≈ HK$11.59M (deposit + AVD stamp duty HK$1,437,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,846
−HK$8,707/mo
▼ 0.25% · 3.875%
HK$143,165
−HK$4,388/mo
Today · 4.125%
HK$147,553
baseline
▲ 0.50% · 4.625%
HK$156,532
+HK$8,979/mo
Deposit HK$3.38M · loan HK$30.45M · min. income ≈ HK$295,106/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$1,437,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,465
−HK$8,345/mo
▼ 0.25% · 3.875%
HK$158,608
−HK$4,202/mo
Today · 4.125%
HK$162,810
baseline
▲ 0.50% · 4.625%
HK$171,392
+HK$8,582/mo
Deposit HK$3.38M · loan HK$30.45M · min. income ≈ HK$325,620/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$1,437,697 · Scale 2, in force from 26 Feb 2026)