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$77,157
−HK$4,839/mo
▼ 0.25% · 3.875%
HK$79,557
−HK$2,439/mo
Today · 4.125%
HK$81,996
baseline
▲ 0.50% · 4.625%
HK$86,985
+HK$4,989/mo
Deposit HK$16.92M · loan HK$16.92M · min. income ≈ HK$163,992/mo (50% DSR)
Upfront cash ≈ HK$18.36M (deposit + AVD stamp duty HK$1,438,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,837
−HK$4,637/mo
▼ 0.25% · 3.875%
HK$88,139
−HK$2,335/mo
Today · 4.125%
HK$90,474
baseline
▲ 0.50% · 4.625%
HK$95,243
+HK$4,769/mo
Deposit HK$16.92M · loan HK$16.92M · min. income ≈ HK$180,948/mo (50% DSR)
Upfront cash ≈ HK$18.36M (deposit + AVD stamp duty HK$1,438,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,589
−HK$5,806/mo
▼ 0.25% · 3.875%
HK$95,469
−HK$2,926/mo
Today · 4.125%
HK$98,395
baseline
▲ 0.50% · 4.625%
HK$104,382
+HK$5,987/mo
Deposit HK$13.53M · loan HK$20.30M · min. income ≈ HK$196,790/mo (50% DSR)
Upfront cash ≈ HK$14.97M (deposit + AVD stamp duty HK$1,438,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,004
−HK$5,565/mo
▼ 0.25% · 3.875%
HK$105,767
−HK$2,802/mo
Today · 4.125%
HK$108,569
baseline
▲ 0.50% · 4.625%
HK$114,292
+HK$5,723/mo
Deposit HK$13.53M · loan HK$20.30M · min. income ≈ HK$217,138/mo (50% DSR)
Upfront cash ≈ HK$14.97M (deposit + AVD stamp duty HK$1,438,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,020
−HK$6,774/mo
▼ 0.25% · 3.875%
HK$111,380
−HK$3,414/mo
Today · 4.125%
HK$114,794
baseline
▲ 0.50% · 4.625%
HK$121,779
+HK$6,985/mo
Deposit HK$10.15M · loan HK$23.69M · min. income ≈ HK$229,588/mo (50% DSR)
Upfront cash ≈ HK$11.59M (deposit + AVD stamp duty HK$1,438,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,172
−HK$6,492/mo
▼ 0.25% · 3.875%
HK$123,395
−HK$3,269/mo
Today · 4.125%
HK$126,664
baseline
▲ 0.50% · 4.625%
HK$133,341
+HK$6,677/mo
Deposit HK$10.15M · loan HK$23.69M · min. income ≈ HK$253,328/mo (50% DSR)
Upfront cash ≈ HK$11.59M (deposit + AVD stamp duty HK$1,438,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,883
−HK$8,710/mo
▼ 0.25% · 3.875%
HK$143,203
−HK$4,390/mo
Today · 4.125%
HK$147,593
baseline
▲ 0.50% · 4.625%
HK$156,573
+HK$8,980/mo
Deposit HK$3.38M · loan HK$30.45M · min. income ≈ HK$295,186/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$1,438,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,506
−HK$8,348/mo
▼ 0.25% · 3.875%
HK$158,650
−HK$4,204/mo
Today · 4.125%
HK$162,854
baseline
▲ 0.50% · 4.625%
HK$171,438
+HK$8,584/mo
Deposit HK$3.38M · loan HK$30.45M · min. income ≈ HK$325,708/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$1,438,080 · Scale 2, in force from 26 Feb 2026)