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$77,063
−HK$4,832/mo
▼ 0.25% · 3.875%
HK$79,460
−HK$2,435/mo
Today · 4.125%
HK$81,895
baseline
▲ 0.50% · 4.625%
HK$86,879
+HK$4,984/mo
Deposit HK$16.90M · loan HK$16.90M · min. income ≈ HK$163,790/mo (50% DSR)
Upfront cash ≈ HK$18.33M (deposit + AVD stamp duty HK$1,436,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,732
−HK$4,631/mo
▼ 0.25% · 3.875%
HK$88,031
−HK$2,332/mo
Today · 4.125%
HK$90,363
baseline
▲ 0.50% · 4.625%
HK$95,127
+HK$4,764/mo
Deposit HK$16.90M · loan HK$16.90M · min. income ≈ HK$180,726/mo (50% DSR)
Upfront cash ≈ HK$18.33M (deposit + AVD stamp duty HK$1,436,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,475
−HK$5,799/mo
▼ 0.25% · 3.875%
HK$95,352
−HK$2,922/mo
Today · 4.125%
HK$98,274
baseline
▲ 0.50% · 4.625%
HK$104,254
+HK$5,980/mo
Deposit HK$13.52M · loan HK$20.28M · min. income ≈ HK$196,548/mo (50% DSR)
Upfront cash ≈ HK$14.95M (deposit + AVD stamp duty HK$1,436,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,878
−HK$5,558/mo
▼ 0.25% · 3.875%
HK$105,637
−HK$2,799/mo
Today · 4.125%
HK$108,436
baseline
▲ 0.50% · 4.625%
HK$114,152
+HK$5,716/mo
Deposit HK$13.52M · loan HK$20.28M · min. income ≈ HK$216,872/mo (50% DSR)
Upfront cash ≈ HK$14.95M (deposit + AVD stamp duty HK$1,436,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,888
−HK$6,766/mo
▼ 0.25% · 3.875%
HK$111,244
−HK$3,410/mo
Today · 4.125%
HK$114,654
baseline
▲ 0.50% · 4.625%
HK$121,630
+HK$6,976/mo
Deposit HK$10.14M · loan HK$23.66M · min. income ≈ HK$229,308/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$1,436,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,024
−HK$6,485/mo
▼ 0.25% · 3.875%
HK$123,243
−HK$3,266/mo
Today · 4.125%
HK$126,509
baseline
▲ 0.50% · 4.625%
HK$133,177
+HK$6,668/mo
Deposit HK$10.14M · loan HK$23.66M · min. income ≈ HK$253,018/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$1,436,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,713
−HK$8,699/mo
▼ 0.25% · 3.875%
HK$143,028
−HK$4,384/mo
Today · 4.125%
HK$147,412
baseline
▲ 0.50% · 4.625%
HK$156,381
+HK$8,969/mo
Deposit HK$3.38M · loan HK$30.42M · min. income ≈ HK$294,824/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$1,436,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,317
−HK$8,337/mo
▼ 0.25% · 3.875%
HK$158,456
−HK$4,198/mo
Today · 4.125%
HK$162,654
baseline
▲ 0.50% · 4.625%
HK$171,228
+HK$8,574/mo
Deposit HK$3.38M · loan HK$30.42M · min. income ≈ HK$325,308/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$1,436,318 · Scale 2, in force from 26 Feb 2026)