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$77,106
−HK$4,835/mo
▼ 0.25% · 3.875%
HK$79,504
−HK$2,437/mo
Today · 4.125%
HK$81,941
baseline
▲ 0.50% · 4.625%
HK$86,927
+HK$4,986/mo
Deposit HK$16.91M · loan HK$16.91M · min. income ≈ HK$163,882/mo (50% DSR)
Upfront cash ≈ HK$18.34M (deposit + AVD stamp duty HK$1,437,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,779
−HK$4,635/mo
▼ 0.25% · 3.875%
HK$88,080
−HK$2,334/mo
Today · 4.125%
HK$90,414
baseline
▲ 0.50% · 4.625%
HK$95,180
+HK$4,766/mo
Deposit HK$16.91M · loan HK$16.91M · min. income ≈ HK$180,828/mo (50% DSR)
Upfront cash ≈ HK$18.34M (deposit + AVD stamp duty HK$1,437,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,527
−HK$5,802/mo
▼ 0.25% · 3.875%
HK$95,405
−HK$2,924/mo
Today · 4.125%
HK$98,329
baseline
▲ 0.50% · 4.625%
HK$104,312
+HK$5,983/mo
Deposit HK$13.53M · loan HK$20.29M · min. income ≈ HK$196,658/mo (50% DSR)
Upfront cash ≈ HK$14.96M (deposit + AVD stamp duty HK$1,437,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,935
−HK$5,562/mo
▼ 0.25% · 3.875%
HK$105,696
−HK$2,801/mo
Today · 4.125%
HK$108,497
baseline
▲ 0.50% · 4.625%
HK$114,216
+HK$5,719/mo
Deposit HK$13.53M · loan HK$20.29M · min. income ≈ HK$216,994/mo (50% DSR)
Upfront cash ≈ HK$14.96M (deposit + AVD stamp duty HK$1,437,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,948
−HK$6,769/mo
▼ 0.25% · 3.875%
HK$111,306
−HK$3,411/mo
Today · 4.125%
HK$114,717
baseline
▲ 0.50% · 4.625%
HK$121,698
+HK$6,981/mo
Deposit HK$10.14M · loan HK$23.67M · min. income ≈ HK$229,434/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$1,437,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,091
−HK$6,488/mo
▼ 0.25% · 3.875%
HK$123,312
−HK$3,267/mo
Today · 4.125%
HK$126,579
baseline
▲ 0.50% · 4.625%
HK$133,251
+HK$6,672/mo
Deposit HK$10.14M · loan HK$23.67M · min. income ≈ HK$253,158/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$1,437,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,790
−HK$8,704/mo
▼ 0.25% · 3.875%
HK$143,108
−HK$4,386/mo
Today · 4.125%
HK$147,494
baseline
▲ 0.50% · 4.625%
HK$156,468
+HK$8,974/mo
Deposit HK$3.38M · loan HK$30.43M · min. income ≈ HK$294,988/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$1,437,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,403
−HK$8,342/mo
▼ 0.25% · 3.875%
HK$158,544
−HK$4,201/mo
Today · 4.125%
HK$162,745
baseline
▲ 0.50% · 4.625%
HK$171,323
+HK$8,578/mo
Deposit HK$3.38M · loan HK$30.43M · min. income ≈ HK$325,490/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$1,437,117 · Scale 2, in force from 26 Feb 2026)