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$77,100
−HK$4,834/mo
▼ 0.25% · 3.875%
HK$79,498
−HK$2,436/mo
Today · 4.125%
HK$81,934
baseline
▲ 0.50% · 4.625%
HK$86,920
+HK$4,986/mo
Deposit HK$16.91M · loan HK$16.91M · min. income ≈ HK$163,868/mo (50% DSR)
Upfront cash ≈ HK$18.34M (deposit + AVD stamp duty HK$1,437,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,773
−HK$4,634/mo
▼ 0.25% · 3.875%
HK$88,073
−HK$2,334/mo
Today · 4.125%
HK$90,407
baseline
▲ 0.50% · 4.625%
HK$95,172
+HK$4,765/mo
Deposit HK$16.91M · loan HK$16.91M · min. income ≈ HK$180,814/mo (50% DSR)
Upfront cash ≈ HK$18.34M (deposit + AVD stamp duty HK$1,437,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,520
−HK$5,801/mo
▼ 0.25% · 3.875%
HK$95,397
−HK$2,924/mo
Today · 4.125%
HK$98,321
baseline
▲ 0.50% · 4.625%
HK$104,304
+HK$5,983/mo
Deposit HK$13.52M · loan HK$20.29M · min. income ≈ HK$196,642/mo (50% DSR)
Upfront cash ≈ HK$14.96M (deposit + AVD stamp duty HK$1,437,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,927
−HK$5,561/mo
▼ 0.25% · 3.875%
HK$105,687
−HK$2,801/mo
Today · 4.125%
HK$108,488
baseline
▲ 0.50% · 4.625%
HK$114,206
+HK$5,718/mo
Deposit HK$13.52M · loan HK$20.29M · min. income ≈ HK$216,976/mo (50% DSR)
Upfront cash ≈ HK$14.96M (deposit + AVD stamp duty HK$1,437,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,939
−HK$6,769/mo
▼ 0.25% · 3.875%
HK$111,297
−HK$3,411/mo
Today · 4.125%
HK$114,708
baseline
▲ 0.50% · 4.625%
HK$121,688
+HK$6,980/mo
Deposit HK$10.14M · loan HK$23.67M · min. income ≈ HK$229,416/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$1,437,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,082
−HK$6,487/mo
▼ 0.25% · 3.875%
HK$123,302
−HK$3,267/mo
Today · 4.125%
HK$126,569
baseline
▲ 0.50% · 4.625%
HK$133,241
+HK$6,672/mo
Deposit HK$10.14M · loan HK$23.67M · min. income ≈ HK$253,138/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$1,437,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,779
−HK$8,703/mo
▼ 0.25% · 3.875%
HK$143,096
−HK$4,386/mo
Today · 4.125%
HK$147,482
baseline
▲ 0.50% · 4.625%
HK$156,456
+HK$8,974/mo
Deposit HK$3.38M · loan HK$30.43M · min. income ≈ HK$294,964/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$1,437,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,391
−HK$8,341/mo
▼ 0.25% · 3.875%
HK$158,531
−HK$4,201/mo
Today · 4.125%
HK$162,732
baseline
▲ 0.50% · 4.625%
HK$171,310
+HK$8,578/mo
Deposit HK$3.38M · loan HK$30.43M · min. income ≈ HK$325,464/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$1,437,003 · Scale 2, in force from 26 Feb 2026)