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$77,012
−HK$4,829/mo
▼ 0.25% · 3.875%
HK$79,408
−HK$2,433/mo
Today · 4.125%
HK$81,841
baseline
▲ 0.50% · 4.625%
HK$86,821
+HK$4,980/mo
Deposit HK$16.89M · loan HK$16.89M · min. income ≈ HK$163,682/mo (50% DSR)
Upfront cash ≈ HK$18.32M (deposit + AVD stamp duty HK$1,435,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,675
−HK$4,629/mo
▼ 0.25% · 3.875%
HK$87,973
−HK$2,331/mo
Today · 4.125%
HK$90,304
baseline
▲ 0.50% · 4.625%
HK$95,064
+HK$4,760/mo
Deposit HK$16.89M · loan HK$16.89M · min. income ≈ HK$180,608/mo (50% DSR)
Upfront cash ≈ HK$18.32M (deposit + AVD stamp duty HK$1,435,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,414
−HK$5,796/mo
▼ 0.25% · 3.875%
HK$95,289
−HK$2,921/mo
Today · 4.125%
HK$98,210
baseline
▲ 0.50% · 4.625%
HK$104,185
+HK$5,975/mo
Deposit HK$13.51M · loan HK$20.26M · min. income ≈ HK$196,420/mo (50% DSR)
Upfront cash ≈ HK$14.94M (deposit + AVD stamp duty HK$1,435,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,810
−HK$5,555/mo
▼ 0.25% · 3.875%
HK$105,567
−HK$2,798/mo
Today · 4.125%
HK$108,365
baseline
▲ 0.50% · 4.625%
HK$114,077
+HK$5,712/mo
Deposit HK$13.51M · loan HK$20.26M · min. income ≈ HK$216,730/mo (50% DSR)
Upfront cash ≈ HK$14.94M (deposit + AVD stamp duty HK$1,435,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,817
−HK$6,761/mo
▼ 0.25% · 3.875%
HK$111,171
−HK$3,407/mo
Today · 4.125%
HK$114,578
baseline
▲ 0.50% · 4.625%
HK$121,550
+HK$6,972/mo
Deposit HK$10.13M · loan HK$23.64M · min. income ≈ HK$229,156/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$1,435,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,945
−HK$6,480/mo
▼ 0.25% · 3.875%
HK$123,162
−HK$3,263/mo
Today · 4.125%
HK$126,425
baseline
▲ 0.50% · 4.625%
HK$133,089
+HK$6,664/mo
Deposit HK$10.13M · loan HK$23.64M · min. income ≈ HK$252,850/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$1,435,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,622
−HK$8,692/mo
▼ 0.25% · 3.875%
HK$142,934
−HK$4,380/mo
Today · 4.125%
HK$147,314
baseline
▲ 0.50% · 4.625%
HK$156,278
+HK$8,964/mo
Deposit HK$3.38M · loan HK$30.40M · min. income ≈ HK$294,628/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$1,435,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,215
−HK$8,332/mo
▼ 0.25% · 3.875%
HK$158,351
−HK$4,196/mo
Today · 4.125%
HK$162,547
baseline
▲ 0.50% · 4.625%
HK$171,115
+HK$8,568/mo
Deposit HK$3.38M · loan HK$30.40M · min. income ≈ HK$325,094/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$1,435,370 · Scale 2, in force from 26 Feb 2026)