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$77,115
−HK$4,836/mo
▼ 0.25% · 3.875%
HK$79,514
−HK$2,437/mo
Today · 4.125%
HK$81,951
baseline
▲ 0.50% · 4.625%
HK$86,937
+HK$4,986/mo
Deposit HK$16.91M · loan HK$16.91M · min. income ≈ HK$163,902/mo (50% DSR)
Upfront cash ≈ HK$18.35M (deposit + AVD stamp duty HK$1,437,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,790
−HK$4,635/mo
▼ 0.25% · 3.875%
HK$88,091
−HK$2,334/mo
Today · 4.125%
HK$90,425
baseline
▲ 0.50% · 4.625%
HK$95,191
+HK$4,766/mo
Deposit HK$16.91M · loan HK$16.91M · min. income ≈ HK$180,850/mo (50% DSR)
Upfront cash ≈ HK$18.35M (deposit + AVD stamp duty HK$1,437,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,538
−HK$5,803/mo
▼ 0.25% · 3.875%
HK$95,417
−HK$2,924/mo
Today · 4.125%
HK$98,341
baseline
▲ 0.50% · 4.625%
HK$104,325
+HK$5,984/mo
Deposit HK$13.53M · loan HK$20.29M · min. income ≈ HK$196,682/mo (50% DSR)
Upfront cash ≈ HK$14.96M (deposit + AVD stamp duty HK$1,437,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,948
−HK$5,562/mo
▼ 0.25% · 3.875%
HK$105,709
−HK$2,801/mo
Today · 4.125%
HK$108,510
baseline
▲ 0.50% · 4.625%
HK$114,229
+HK$5,719/mo
Deposit HK$13.53M · loan HK$20.29M · min. income ≈ HK$217,020/mo (50% DSR)
Upfront cash ≈ HK$14.96M (deposit + AVD stamp duty HK$1,437,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,961
−HK$6,770/mo
▼ 0.25% · 3.875%
HK$111,319
−HK$3,412/mo
Today · 4.125%
HK$114,731
baseline
▲ 0.50% · 4.625%
HK$121,712
+HK$6,981/mo
Deposit HK$10.15M · loan HK$23.67M · min. income ≈ HK$229,462/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$1,437,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,106
−HK$6,489/mo
▼ 0.25% · 3.875%
HK$123,327
−HK$3,268/mo
Today · 4.125%
HK$126,595
baseline
▲ 0.50% · 4.625%
HK$133,268
+HK$6,673/mo
Deposit HK$10.15M · loan HK$23.67M · min. income ≈ HK$253,190/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$1,437,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,807
−HK$8,705/mo
▼ 0.25% · 3.875%
HK$143,125
−HK$4,387/mo
Today · 4.125%
HK$147,512
baseline
▲ 0.50% · 4.625%
HK$156,487
+HK$8,975/mo
Deposit HK$3.38M · loan HK$30.44M · min. income ≈ HK$295,024/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$1,437,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,422
−HK$8,343/mo
▼ 0.25% · 3.875%
HK$158,563
−HK$4,202/mo
Today · 4.125%
HK$162,765
baseline
▲ 0.50% · 4.625%
HK$171,344
+HK$8,579/mo
Deposit HK$3.38M · loan HK$30.44M · min. income ≈ HK$325,530/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$1,437,291 · Scale 2, in force from 26 Feb 2026)