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$77,124
−HK$4,836/mo
▼ 0.25% · 3.875%
HK$79,523
−HK$2,437/mo
Today · 4.125%
HK$81,960
baseline
▲ 0.50% · 4.625%
HK$86,947
+HK$4,987/mo
Deposit HK$16.91M · loan HK$16.91M · min. income ≈ HK$163,920/mo (50% DSR)
Upfront cash ≈ HK$18.35M (deposit + AVD stamp duty HK$1,437,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,799
−HK$4,636/mo
▼ 0.25% · 3.875%
HK$88,100
−HK$2,335/mo
Today · 4.125%
HK$90,435
baseline
▲ 0.50% · 4.625%
HK$95,202
+HK$4,767/mo
Deposit HK$16.91M · loan HK$16.91M · min. income ≈ HK$180,870/mo (50% DSR)
Upfront cash ≈ HK$18.35M (deposit + AVD stamp duty HK$1,437,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,548
−HK$5,804/mo
▼ 0.25% · 3.875%
HK$95,427
−HK$2,925/mo
Today · 4.125%
HK$98,352
baseline
▲ 0.50% · 4.625%
HK$104,337
+HK$5,985/mo
Deposit HK$13.53M · loan HK$20.29M · min. income ≈ HK$196,704/mo (50% DSR)
Upfront cash ≈ HK$14.97M (deposit + AVD stamp duty HK$1,437,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,959
−HK$5,563/mo
▼ 0.25% · 3.875%
HK$105,721
−HK$2,801/mo
Today · 4.125%
HK$108,522
baseline
▲ 0.50% · 4.625%
HK$114,242
+HK$5,720/mo
Deposit HK$13.53M · loan HK$20.29M · min. income ≈ HK$217,044/mo (50% DSR)
Upfront cash ≈ HK$14.97M (deposit + AVD stamp duty HK$1,437,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,973
−HK$6,771/mo
▼ 0.25% · 3.875%
HK$111,332
−HK$3,412/mo
Today · 4.125%
HK$114,744
baseline
▲ 0.50% · 4.625%
HK$121,726
+HK$6,982/mo
Deposit HK$10.15M · loan HK$23.68M · min. income ≈ HK$229,488/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$1,437,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,119
−HK$6,490/mo
▼ 0.25% · 3.875%
HK$123,341
−HK$3,268/mo
Today · 4.125%
HK$126,609
baseline
▲ 0.50% · 4.625%
HK$133,282
+HK$6,673/mo
Deposit HK$10.15M · loan HK$23.68M · min. income ≈ HK$253,218/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$1,437,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,823
−HK$8,705/mo
▼ 0.25% · 3.875%
HK$143,141
−HK$4,387/mo
Today · 4.125%
HK$147,528
baseline
▲ 0.50% · 4.625%
HK$156,505
+HK$8,977/mo
Deposit HK$3.38M · loan HK$30.44M · min. income ≈ HK$295,056/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$1,437,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,439
−HK$8,344/mo
▼ 0.25% · 3.875%
HK$158,581
−HK$4,202/mo
Today · 4.125%
HK$162,783
baseline
▲ 0.50% · 4.625%
HK$171,363
+HK$8,580/mo
Deposit HK$3.38M · loan HK$30.44M · min. income ≈ HK$325,566/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$1,437,452 · Scale 2, in force from 26 Feb 2026)