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$77,093
−HK$4,834/mo
▼ 0.25% · 3.875%
HK$79,491
−HK$2,436/mo
Today · 4.125%
HK$81,927
baseline
▲ 0.50% · 4.625%
HK$86,912
+HK$4,985/mo
Deposit HK$16.90M · loan HK$16.90M · min. income ≈ HK$163,854/mo (50% DSR)
Upfront cash ≈ HK$18.34M (deposit + AVD stamp duty HK$1,436,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,765
−HK$4,634/mo
▼ 0.25% · 3.875%
HK$88,065
−HK$2,334/mo
Today · 4.125%
HK$90,399
baseline
▲ 0.50% · 4.625%
HK$95,164
+HK$4,765/mo
Deposit HK$16.90M · loan HK$16.90M · min. income ≈ HK$180,798/mo (50% DSR)
Upfront cash ≈ HK$18.34M (deposit + AVD stamp duty HK$1,436,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,511
−HK$5,802/mo
▼ 0.25% · 3.875%
HK$95,389
−HK$2,924/mo
Today · 4.125%
HK$98,313
baseline
▲ 0.50% · 4.625%
HK$104,295
+HK$5,982/mo
Deposit HK$13.52M · loan HK$20.29M · min. income ≈ HK$196,626/mo (50% DSR)
Upfront cash ≈ HK$14.96M (deposit + AVD stamp duty HK$1,436,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,918
−HK$5,560/mo
▼ 0.25% · 3.875%
HK$105,678
−HK$2,800/mo
Today · 4.125%
HK$108,478
baseline
▲ 0.50% · 4.625%
HK$114,196
+HK$5,718/mo
Deposit HK$13.52M · loan HK$20.29M · min. income ≈ HK$216,956/mo (50% DSR)
Upfront cash ≈ HK$14.96M (deposit + AVD stamp duty HK$1,436,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,930
−HK$6,768/mo
▼ 0.25% · 3.875%
HK$111,287
−HK$3,411/mo
Today · 4.125%
HK$114,698
baseline
▲ 0.50% · 4.625%
HK$121,677
+HK$6,979/mo
Deposit HK$10.14M · loan HK$23.67M · min. income ≈ HK$229,396/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$1,436,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,071
−HK$6,487/mo
▼ 0.25% · 3.875%
HK$123,291
−HK$3,267/mo
Today · 4.125%
HK$126,558
baseline
▲ 0.50% · 4.625%
HK$133,229
+HK$6,671/mo
Deposit HK$10.14M · loan HK$23.67M · min. income ≈ HK$253,116/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$1,436,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,767
−HK$8,702/mo
▼ 0.25% · 3.875%
HK$143,083
−HK$4,386/mo
Today · 4.125%
HK$147,469
baseline
▲ 0.50% · 4.625%
HK$156,442
+HK$8,973/mo
Deposit HK$3.38M · loan HK$30.43M · min. income ≈ HK$294,938/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$1,436,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,377
−HK$8,340/mo
▼ 0.25% · 3.875%
HK$158,517
−HK$4,200/mo
Today · 4.125%
HK$162,717
baseline
▲ 0.50% · 4.625%
HK$171,294
+HK$8,577/mo
Deposit HK$3.38M · loan HK$30.43M · min. income ≈ HK$325,434/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$1,436,875 · Scale 2, in force from 26 Feb 2026)