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$77,023
−HK$4,830/mo
▼ 0.25% · 3.875%
HK$79,419
−HK$2,434/mo
Today · 4.125%
HK$81,853
baseline
▲ 0.50% · 4.625%
HK$86,833
+HK$4,980/mo
Deposit HK$16.89M · loan HK$16.89M · min. income ≈ HK$163,706/mo (50% DSR)
Upfront cash ≈ HK$18.32M (deposit + AVD stamp duty HK$1,435,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,687
−HK$4,629/mo
▼ 0.25% · 3.875%
HK$87,985
−HK$2,331/mo
Today · 4.125%
HK$90,316
baseline
▲ 0.50% · 4.625%
HK$95,077
+HK$4,761/mo
Deposit HK$16.89M · loan HK$16.89M · min. income ≈ HK$180,632/mo (50% DSR)
Upfront cash ≈ HK$18.32M (deposit + AVD stamp duty HK$1,435,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,427
−HK$5,796/mo
▼ 0.25% · 3.875%
HK$95,302
−HK$2,921/mo
Today · 4.125%
HK$98,223
baseline
▲ 0.50% · 4.625%
HK$104,200
+HK$5,977/mo
Deposit HK$13.51M · loan HK$20.27M · min. income ≈ HK$196,446/mo (50% DSR)
Upfront cash ≈ HK$14.95M (deposit + AVD stamp duty HK$1,435,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,825
−HK$5,555/mo
▼ 0.25% · 3.875%
HK$105,582
−HK$2,798/mo
Today · 4.125%
HK$108,380
baseline
▲ 0.50% · 4.625%
HK$114,093
+HK$5,713/mo
Deposit HK$13.51M · loan HK$20.27M · min. income ≈ HK$216,760/mo (50% DSR)
Upfront cash ≈ HK$14.95M (deposit + AVD stamp duty HK$1,435,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,832
−HK$6,762/mo
▼ 0.25% · 3.875%
HK$111,186
−HK$3,408/mo
Today · 4.125%
HK$114,594
baseline
▲ 0.50% · 4.625%
HK$121,567
+HK$6,973/mo
Deposit HK$10.13M · loan HK$23.64M · min. income ≈ HK$229,188/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$1,435,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,962
−HK$6,481/mo
▼ 0.25% · 3.875%
HK$123,179
−HK$3,264/mo
Today · 4.125%
HK$126,443
baseline
▲ 0.50% · 4.625%
HK$133,108
+HK$6,665/mo
Deposit HK$10.13M · loan HK$23.64M · min. income ≈ HK$252,886/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$1,435,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,641
−HK$8,694/mo
▼ 0.25% · 3.875%
HK$142,954
−HK$4,381/mo
Today · 4.125%
HK$147,335
baseline
▲ 0.50% · 4.625%
HK$156,300
+HK$8,965/mo
Deposit HK$3.38M · loan HK$30.40M · min. income ≈ HK$294,670/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$1,435,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,237
−HK$8,333/mo
▼ 0.25% · 3.875%
HK$158,373
−HK$4,197/mo
Today · 4.125%
HK$162,570
baseline
▲ 0.50% · 4.625%
HK$171,139
+HK$8,569/mo
Deposit HK$3.38M · loan HK$30.40M · min. income ≈ HK$325,140/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$1,435,571 · Scale 2, in force from 26 Feb 2026)