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$77,036
−HK$4,831/mo
▼ 0.25% · 3.875%
HK$79,433
−HK$2,434/mo
Today · 4.125%
HK$81,867
baseline
▲ 0.50% · 4.625%
HK$86,849
+HK$4,982/mo
Deposit HK$16.89M · loan HK$16.89M · min. income ≈ HK$163,734/mo (50% DSR)
Upfront cash ≈ HK$18.33M (deposit + AVD stamp duty HK$1,435,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,702
−HK$4,631/mo
▼ 0.25% · 3.875%
HK$88,001
−HK$2,332/mo
Today · 4.125%
HK$90,333
baseline
▲ 0.50% · 4.625%
HK$95,094
+HK$4,761/mo
Deposit HK$16.89M · loan HK$16.89M · min. income ≈ HK$180,666/mo (50% DSR)
Upfront cash ≈ HK$18.33M (deposit + AVD stamp duty HK$1,435,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,444
−HK$5,797/mo
▼ 0.25% · 3.875%
HK$95,319
−HK$2,922/mo
Today · 4.125%
HK$98,241
baseline
▲ 0.50% · 4.625%
HK$104,219
+HK$5,978/mo
Deposit HK$13.51M · loan HK$20.27M · min. income ≈ HK$196,482/mo (50% DSR)
Upfront cash ≈ HK$14.95M (deposit + AVD stamp duty HK$1,435,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,843
−HK$5,556/mo
▼ 0.25% · 3.875%
HK$105,601
−HK$2,798/mo
Today · 4.125%
HK$108,399
baseline
▲ 0.50% · 4.625%
HK$114,113
+HK$5,714/mo
Deposit HK$13.51M · loan HK$20.27M · min. income ≈ HK$216,798/mo (50% DSR)
Upfront cash ≈ HK$14.95M (deposit + AVD stamp duty HK$1,435,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,851
−HK$6,763/mo
▼ 0.25% · 3.875%
HK$111,206
−HK$3,408/mo
Today · 4.125%
HK$114,614
baseline
▲ 0.50% · 4.625%
HK$121,588
+HK$6,974/mo
Deposit HK$10.14M · loan HK$23.65M · min. income ≈ HK$229,228/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$1,435,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,983
−HK$6,483/mo
▼ 0.25% · 3.875%
HK$123,201
−HK$3,265/mo
Today · 4.125%
HK$126,466
baseline
▲ 0.50% · 4.625%
HK$133,132
+HK$6,666/mo
Deposit HK$10.14M · loan HK$23.65M · min. income ≈ HK$252,932/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$1,435,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,666
−HK$8,695/mo
▼ 0.25% · 3.875%
HK$142,979
−HK$4,382/mo
Today · 4.125%
HK$147,361
baseline
▲ 0.50% · 4.625%
HK$156,328
+HK$8,967/mo
Deposit HK$3.38M · loan HK$30.41M · min. income ≈ HK$294,722/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$1,435,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,264
−HK$8,335/mo
▼ 0.25% · 3.875%
HK$158,401
−HK$4,198/mo
Today · 4.125%
HK$162,599
baseline
▲ 0.50% · 4.625%
HK$171,169
+HK$8,570/mo
Deposit HK$3.38M · loan HK$30.41M · min. income ≈ HK$325,198/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$1,435,826 · Scale 2, in force from 26 Feb 2026)