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$77,070
−HK$4,833/mo
▼ 0.25% · 3.875%
HK$79,468
−HK$2,435/mo
Today · 4.125%
HK$81,903
baseline
▲ 0.50% · 4.625%
HK$86,887
+HK$4,984/mo
Deposit HK$16.90M · loan HK$16.90M · min. income ≈ HK$163,806/mo (50% DSR)
Upfront cash ≈ HK$18.34M (deposit + AVD stamp duty HK$1,436,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,740
−HK$4,632/mo
▼ 0.25% · 3.875%
HK$88,039
−HK$2,333/mo
Today · 4.125%
HK$90,372
baseline
▲ 0.50% · 4.625%
HK$95,136
+HK$4,764/mo
Deposit HK$16.90M · loan HK$16.90M · min. income ≈ HK$180,744/mo (50% DSR)
Upfront cash ≈ HK$18.34M (deposit + AVD stamp duty HK$1,436,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,484
−HK$5,800/mo
▼ 0.25% · 3.875%
HK$95,361
−HK$2,923/mo
Today · 4.125%
HK$98,284
baseline
▲ 0.50% · 4.625%
HK$104,264
+HK$5,980/mo
Deposit HK$13.52M · loan HK$20.28M · min. income ≈ HK$196,568/mo (50% DSR)
Upfront cash ≈ HK$14.96M (deposit + AVD stamp duty HK$1,436,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,888
−HK$5,559/mo
▼ 0.25% · 3.875%
HK$105,647
−HK$2,800/mo
Today · 4.125%
HK$108,447
baseline
▲ 0.50% · 4.625%
HK$114,163
+HK$5,716/mo
Deposit HK$13.52M · loan HK$20.28M · min. income ≈ HK$216,894/mo (50% DSR)
Upfront cash ≈ HK$14.96M (deposit + AVD stamp duty HK$1,436,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,898
−HK$6,767/mo
▼ 0.25% · 3.875%
HK$111,255
−HK$3,410/mo
Today · 4.125%
HK$114,665
baseline
▲ 0.50% · 4.625%
HK$121,642
+HK$6,977/mo
Deposit HK$10.14M · loan HK$23.66M · min. income ≈ HK$229,330/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$1,436,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,036
−HK$6,485/mo
▼ 0.25% · 3.875%
HK$123,255
−HK$3,266/mo
Today · 4.125%
HK$126,521
baseline
▲ 0.50% · 4.625%
HK$133,190
+HK$6,669/mo
Deposit HK$10.14M · loan HK$23.66M · min. income ≈ HK$253,042/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$1,436,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,726
−HK$8,700/mo
▼ 0.25% · 3.875%
HK$143,042
−HK$4,384/mo
Today · 4.125%
HK$147,426
baseline
▲ 0.50% · 4.625%
HK$156,396
+HK$8,970/mo
Deposit HK$3.38M · loan HK$30.42M · min. income ≈ HK$294,852/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$1,436,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,332
−HK$8,338/mo
▼ 0.25% · 3.875%
HK$158,471
−HK$4,199/mo
Today · 4.125%
HK$162,670
baseline
▲ 0.50% · 4.625%
HK$171,244
+HK$8,574/mo
Deposit HK$3.38M · loan HK$30.42M · min. income ≈ HK$325,340/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$1,436,455 · Scale 2, in force from 26 Feb 2026)