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$76,952
−HK$4,826/mo
▼ 0.25% · 3.875%
HK$79,346
−HK$2,432/mo
Today · 4.125%
HK$81,778
baseline
▲ 0.50% · 4.625%
HK$86,754
+HK$4,976/mo
Deposit HK$16.87M · loan HK$16.87M · min. income ≈ HK$163,556/mo (50% DSR)
Upfront cash ≈ HK$18.31M (deposit + AVD stamp duty HK$1,434,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,609
−HK$4,625/mo
▼ 0.25% · 3.875%
HK$87,904
−HK$2,330/mo
Today · 4.125%
HK$90,234
baseline
▲ 0.50% · 4.625%
HK$94,990
+HK$4,756/mo
Deposit HK$16.87M · loan HK$16.87M · min. income ≈ HK$180,468/mo (50% DSR)
Upfront cash ≈ HK$18.31M (deposit + AVD stamp duty HK$1,434,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,343
−HK$5,790/mo
▼ 0.25% · 3.875%
HK$95,215
−HK$2,918/mo
Today · 4.125%
HK$98,133
baseline
▲ 0.50% · 4.625%
HK$104,104
+HK$5,971/mo
Deposit HK$13.50M · loan HK$20.25M · min. income ≈ HK$196,266/mo (50% DSR)
Upfront cash ≈ HK$14.93M (deposit + AVD stamp duty HK$1,434,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,730
−HK$5,550/mo
▼ 0.25% · 3.875%
HK$105,485
−HK$2,795/mo
Today · 4.125%
HK$108,280
baseline
▲ 0.50% · 4.625%
HK$113,988
+HK$5,708/mo
Deposit HK$13.50M · loan HK$20.25M · min. income ≈ HK$216,560/mo (50% DSR)
Upfront cash ≈ HK$14.93M (deposit + AVD stamp duty HK$1,434,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,733
−HK$6,756/mo
▼ 0.25% · 3.875%
HK$111,084
−HK$3,405/mo
Today · 4.125%
HK$114,489
baseline
▲ 0.50% · 4.625%
HK$121,455
+HK$6,966/mo
Deposit HK$10.12M · loan HK$23.62M · min. income ≈ HK$228,978/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$1,434,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,852
−HK$6,475/mo
▼ 0.25% · 3.875%
HK$123,066
−HK$3,261/mo
Today · 4.125%
HK$126,327
baseline
▲ 0.50% · 4.625%
HK$132,986
+HK$6,659/mo
Deposit HK$10.12M · loan HK$23.62M · min. income ≈ HK$252,654/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$1,434,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,514
−HK$8,686/mo
▼ 0.25% · 3.875%
HK$142,822
−HK$4,378/mo
Today · 4.125%
HK$147,200
baseline
▲ 0.50% · 4.625%
HK$156,157
+HK$8,957/mo
Deposit HK$3.37M · loan HK$30.37M · min. income ≈ HK$294,400/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$1,434,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,095
−HK$8,326/mo
▼ 0.25% · 3.875%
HK$158,228
−HK$4,193/mo
Today · 4.125%
HK$162,421
baseline
▲ 0.50% · 4.625%
HK$170,982
+HK$8,561/mo
Deposit HK$3.37M · loan HK$30.37M · min. income ≈ HK$324,842/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$1,434,254 · Scale 2, in force from 26 Feb 2026)