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$77,104
−HK$4,835/mo
▼ 0.25% · 3.875%
HK$79,502
−HK$2,437/mo
Today · 4.125%
HK$81,939
baseline
▲ 0.50% · 4.625%
HK$86,924
+HK$4,985/mo
Deposit HK$16.91M · loan HK$16.91M · min. income ≈ HK$163,878/mo (50% DSR)
Upfront cash ≈ HK$18.34M (deposit + AVD stamp duty HK$1,437,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,777
−HK$4,634/mo
▼ 0.25% · 3.875%
HK$88,077
−HK$2,334/mo
Today · 4.125%
HK$90,411
baseline
▲ 0.50% · 4.625%
HK$95,177
+HK$4,766/mo
Deposit HK$16.91M · loan HK$16.91M · min. income ≈ HK$180,822/mo (50% DSR)
Upfront cash ≈ HK$18.34M (deposit + AVD stamp duty HK$1,437,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,524
−HK$5,802/mo
▼ 0.25% · 3.875%
HK$95,402
−HK$2,924/mo
Today · 4.125%
HK$98,326
baseline
▲ 0.50% · 4.625%
HK$104,309
+HK$5,983/mo
Deposit HK$13.53M · loan HK$20.29M · min. income ≈ HK$196,652/mo (50% DSR)
Upfront cash ≈ HK$14.96M (deposit + AVD stamp duty HK$1,437,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,932
−HK$5,562/mo
▼ 0.25% · 3.875%
HK$105,693
−HK$2,801/mo
Today · 4.125%
HK$108,494
baseline
▲ 0.50% · 4.625%
HK$114,212
+HK$5,718/mo
Deposit HK$13.53M · loan HK$20.29M · min. income ≈ HK$216,988/mo (50% DSR)
Upfront cash ≈ HK$14.96M (deposit + AVD stamp duty HK$1,437,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,945
−HK$6,769/mo
▼ 0.25% · 3.875%
HK$111,303
−HK$3,411/mo
Today · 4.125%
HK$114,714
baseline
▲ 0.50% · 4.625%
HK$121,694
+HK$6,980/mo
Deposit HK$10.14M · loan HK$23.67M · min. income ≈ HK$229,428/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$1,437,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,088
−HK$6,488/mo
▼ 0.25% · 3.875%
HK$123,308
−HK$3,268/mo
Today · 4.125%
HK$126,576
baseline
▲ 0.50% · 4.625%
HK$133,248
+HK$6,672/mo
Deposit HK$10.14M · loan HK$23.67M · min. income ≈ HK$253,152/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$1,437,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,787
−HK$8,703/mo
▼ 0.25% · 3.875%
HK$143,104
−HK$4,386/mo
Today · 4.125%
HK$147,490
baseline
▲ 0.50% · 4.625%
HK$156,464
+HK$8,974/mo
Deposit HK$3.38M · loan HK$30.43M · min. income ≈ HK$294,980/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$1,437,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,399
−HK$8,341/mo
▼ 0.25% · 3.875%
HK$158,539
−HK$4,201/mo
Today · 4.125%
HK$162,740
baseline
▲ 0.50% · 4.625%
HK$171,319
+HK$8,579/mo
Deposit HK$3.38M · loan HK$30.43M · min. income ≈ HK$325,480/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$1,437,077 · Scale 2, in force from 26 Feb 2026)