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$77,031
−HK$4,831/mo
▼ 0.25% · 3.875%
HK$79,428
−HK$2,434/mo
Today · 4.125%
HK$81,862
baseline
▲ 0.50% · 4.625%
HK$86,843
+HK$4,981/mo
Deposit HK$16.89M · loan HK$16.89M · min. income ≈ HK$163,724/mo (50% DSR)
Upfront cash ≈ HK$18.33M (deposit + AVD stamp duty HK$1,435,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,697
−HK$4,630/mo
▼ 0.25% · 3.875%
HK$87,995
−HK$2,332/mo
Today · 4.125%
HK$90,327
baseline
▲ 0.50% · 4.625%
HK$95,088
+HK$4,761/mo
Deposit HK$16.89M · loan HK$16.89M · min. income ≈ HK$180,654/mo (50% DSR)
Upfront cash ≈ HK$18.33M (deposit + AVD stamp duty HK$1,435,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,438
−HK$5,796/mo
▼ 0.25% · 3.875%
HK$95,313
−HK$2,921/mo
Today · 4.125%
HK$98,234
baseline
▲ 0.50% · 4.625%
HK$104,212
+HK$5,978/mo
Deposit HK$13.51M · loan HK$20.27M · min. income ≈ HK$196,468/mo (50% DSR)
Upfront cash ≈ HK$14.95M (deposit + AVD stamp duty HK$1,435,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,836
−HK$5,556/mo
▼ 0.25% · 3.875%
HK$105,594
−HK$2,798/mo
Today · 4.125%
HK$108,392
baseline
▲ 0.50% · 4.625%
HK$114,105
+HK$5,713/mo
Deposit HK$13.51M · loan HK$20.27M · min. income ≈ HK$216,784/mo (50% DSR)
Upfront cash ≈ HK$14.95M (deposit + AVD stamp duty HK$1,435,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,844
−HK$6,763/mo
▼ 0.25% · 3.875%
HK$111,199
−HK$3,408/mo
Today · 4.125%
HK$114,607
baseline
▲ 0.50% · 4.625%
HK$121,580
+HK$6,973/mo
Deposit HK$10.13M · loan HK$23.65M · min. income ≈ HK$229,214/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$1,435,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,975
−HK$6,482/mo
▼ 0.25% · 3.875%
HK$123,193
−HK$3,264/mo
Today · 4.125%
HK$126,457
baseline
▲ 0.50% · 4.625%
HK$133,123
+HK$6,666/mo
Deposit HK$10.13M · loan HK$23.65M · min. income ≈ HK$252,914/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$1,435,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,657
−HK$8,695/mo
▼ 0.25% · 3.875%
HK$142,970
−HK$4,382/mo
Today · 4.125%
HK$147,352
baseline
▲ 0.50% · 4.625%
HK$156,318
+HK$8,966/mo
Deposit HK$3.38M · loan HK$30.40M · min. income ≈ HK$294,704/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$1,435,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,254
−HK$8,334/mo
▼ 0.25% · 3.875%
HK$158,391
−HK$4,197/mo
Today · 4.125%
HK$162,588
baseline
▲ 0.50% · 4.625%
HK$171,158
+HK$8,570/mo
Deposit HK$3.38M · loan HK$30.40M · min. income ≈ HK$325,176/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$1,435,732 · Scale 2, in force from 26 Feb 2026)