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$77,039
−HK$4,831/mo
▼ 0.25% · 3.875%
HK$79,436
−HK$2,434/mo
Today · 4.125%
HK$81,870
baseline
▲ 0.50% · 4.625%
HK$86,852
+HK$4,982/mo
Deposit HK$16.89M · loan HK$16.89M · min. income ≈ HK$163,740/mo (50% DSR)
Upfront cash ≈ HK$18.33M (deposit + AVD stamp duty HK$1,435,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,706
−HK$4,630/mo
▼ 0.25% · 3.875%
HK$88,004
−HK$2,332/mo
Today · 4.125%
HK$90,336
baseline
▲ 0.50% · 4.625%
HK$95,098
+HK$4,762/mo
Deposit HK$16.89M · loan HK$16.89M · min. income ≈ HK$180,672/mo (50% DSR)
Upfront cash ≈ HK$18.33M (deposit + AVD stamp duty HK$1,435,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,447
−HK$5,798/mo
▼ 0.25% · 3.875%
HK$95,323
−HK$2,922/mo
Today · 4.125%
HK$98,245
baseline
▲ 0.50% · 4.625%
HK$104,223
+HK$5,978/mo
Deposit HK$13.51M · loan HK$20.27M · min. income ≈ HK$196,490/mo (50% DSR)
Upfront cash ≈ HK$14.95M (deposit + AVD stamp duty HK$1,435,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,847
−HK$5,556/mo
▼ 0.25% · 3.875%
HK$105,605
−HK$2,798/mo
Today · 4.125%
HK$108,403
baseline
▲ 0.50% · 4.625%
HK$114,117
+HK$5,714/mo
Deposit HK$13.51M · loan HK$20.27M · min. income ≈ HK$216,806/mo (50% DSR)
Upfront cash ≈ HK$14.95M (deposit + AVD stamp duty HK$1,435,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,855
−HK$6,764/mo
▼ 0.25% · 3.875%
HK$111,210
−HK$3,409/mo
Today · 4.125%
HK$114,619
baseline
▲ 0.50% · 4.625%
HK$121,593
+HK$6,974/mo
Deposit HK$10.14M · loan HK$23.65M · min. income ≈ HK$229,238/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$1,435,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,988
−HK$6,482/mo
▼ 0.25% · 3.875%
HK$123,206
−HK$3,264/mo
Today · 4.125%
HK$126,470
baseline
▲ 0.50% · 4.625%
HK$133,137
+HK$6,667/mo
Deposit HK$10.14M · loan HK$23.65M · min. income ≈ HK$252,940/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$1,435,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,671
−HK$8,696/mo
▼ 0.25% · 3.875%
HK$142,984
−HK$4,383/mo
Today · 4.125%
HK$147,367
baseline
▲ 0.50% · 4.625%
HK$156,334
+HK$8,967/mo
Deposit HK$3.38M · loan HK$30.41M · min. income ≈ HK$294,734/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$1,435,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,270
−HK$8,335/mo
▼ 0.25% · 3.875%
HK$158,407
−HK$4,198/mo
Today · 4.125%
HK$162,605
baseline
▲ 0.50% · 4.625%
HK$171,176
+HK$8,571/mo
Deposit HK$3.38M · loan HK$30.41M · min. income ≈ HK$325,210/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$1,435,881 · Scale 2, in force from 26 Feb 2026)