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$77,174
−HK$4,840/mo
▼ 0.25% · 3.875%
HK$79,575
−HK$2,439/mo
Today · 4.125%
HK$82,014
baseline
▲ 0.50% · 4.625%
HK$87,004
+HK$4,990/mo
Deposit HK$16.92M · loan HK$16.92M · min. income ≈ HK$164,028/mo (50% DSR)
Upfront cash ≈ HK$18.36M (deposit + AVD stamp duty HK$1,438,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,856
−HK$4,638/mo
▼ 0.25% · 3.875%
HK$88,158
−HK$2,336/mo
Today · 4.125%
HK$90,494
baseline
▲ 0.50% · 4.625%
HK$95,264
+HK$4,770/mo
Deposit HK$16.92M · loan HK$16.92M · min. income ≈ HK$180,988/mo (50% DSR)
Upfront cash ≈ HK$18.36M (deposit + AVD stamp duty HK$1,438,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,609
−HK$5,808/mo
▼ 0.25% · 3.875%
HK$95,490
−HK$2,927/mo
Today · 4.125%
HK$98,417
baseline
▲ 0.50% · 4.625%
HK$104,405
+HK$5,988/mo
Deposit HK$13.54M · loan HK$20.31M · min. income ≈ HK$196,834/mo (50% DSR)
Upfront cash ≈ HK$14.98M (deposit + AVD stamp duty HK$1,438,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,027
−HK$5,566/mo
▼ 0.25% · 3.875%
HK$105,790
−HK$2,803/mo
Today · 4.125%
HK$108,593
baseline
▲ 0.50% · 4.625%
HK$114,317
+HK$5,724/mo
Deposit HK$13.54M · loan HK$20.31M · min. income ≈ HK$217,186/mo (50% DSR)
Upfront cash ≈ HK$14.98M (deposit + AVD stamp duty HK$1,438,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,044
−HK$6,776/mo
▼ 0.25% · 3.875%
HK$111,405
−HK$3,415/mo
Today · 4.125%
HK$114,820
baseline
▲ 0.50% · 4.625%
HK$121,806
+HK$6,986/mo
Deposit HK$10.15M · loan HK$23.69M · min. income ≈ HK$229,640/mo (50% DSR)
Upfront cash ≈ HK$11.59M (deposit + AVD stamp duty HK$1,438,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,198
−HK$6,494/mo
▼ 0.25% · 3.875%
HK$123,422
−HK$3,270/mo
Today · 4.125%
HK$126,692
baseline
▲ 0.50% · 4.625%
HK$133,370
+HK$6,678/mo
Deposit HK$10.15M · loan HK$23.69M · min. income ≈ HK$253,384/mo (50% DSR)
Upfront cash ≈ HK$11.59M (deposit + AVD stamp duty HK$1,438,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,914
−HK$8,711/mo
▼ 0.25% · 3.875%
HK$143,235
−HK$4,390/mo
Today · 4.125%
HK$147,625
baseline
▲ 0.50% · 4.625%
HK$156,608
+HK$8,983/mo
Deposit HK$3.38M · loan HK$30.46M · min. income ≈ HK$295,250/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$1,438,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,540
−HK$8,350/mo
▼ 0.25% · 3.875%
HK$158,685
−HK$4,205/mo
Today · 4.125%
HK$162,890
baseline
▲ 0.50% · 4.625%
HK$171,476
+HK$8,586/mo
Deposit HK$3.38M · loan HK$30.46M · min. income ≈ HK$325,780/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$1,438,397 · Scale 2, in force from 26 Feb 2026)