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$77,145
−HK$4,837/mo
▼ 0.25% · 3.875%
HK$79,544
−HK$2,438/mo
Today · 4.125%
HK$81,982
baseline
▲ 0.50% · 4.625%
HK$86,971
+HK$4,989/mo
Deposit HK$16.92M · loan HK$16.92M · min. income ≈ HK$163,964/mo (50% DSR)
Upfront cash ≈ HK$18.35M (deposit + AVD stamp duty HK$1,437,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,823
−HK$4,636/mo
▼ 0.25% · 3.875%
HK$88,124
−HK$2,335/mo
Today · 4.125%
HK$90,459
baseline
▲ 0.50% · 4.625%
HK$95,228
+HK$4,769/mo
Deposit HK$16.92M · loan HK$16.92M · min. income ≈ HK$180,918/mo (50% DSR)
Upfront cash ≈ HK$18.35M (deposit + AVD stamp duty HK$1,437,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,574
−HK$5,805/mo
▼ 0.25% · 3.875%
HK$95,453
−HK$2,926/mo
Today · 4.125%
HK$98,379
baseline
▲ 0.50% · 4.625%
HK$104,365
+HK$5,986/mo
Deposit HK$13.53M · loan HK$20.30M · min. income ≈ HK$196,758/mo (50% DSR)
Upfront cash ≈ HK$14.97M (deposit + AVD stamp duty HK$1,437,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,987
−HK$5,564/mo
▼ 0.25% · 3.875%
HK$105,749
−HK$2,802/mo
Today · 4.125%
HK$108,551
baseline
▲ 0.50% · 4.625%
HK$114,273
+HK$5,722/mo
Deposit HK$13.53M · loan HK$20.30M · min. income ≈ HK$217,102/mo (50% DSR)
Upfront cash ≈ HK$14.97M (deposit + AVD stamp duty HK$1,437,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,003
−HK$6,772/mo
▼ 0.25% · 3.875%
HK$111,362
−HK$3,413/mo
Today · 4.125%
HK$114,775
baseline
▲ 0.50% · 4.625%
HK$121,759
+HK$6,984/mo
Deposit HK$10.15M · loan HK$23.68M · min. income ≈ HK$229,550/mo (50% DSR)
Upfront cash ≈ HK$11.59M (deposit + AVD stamp duty HK$1,437,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,152
−HK$6,491/mo
▼ 0.25% · 3.875%
HK$123,374
−HK$3,269/mo
Today · 4.125%
HK$126,643
baseline
▲ 0.50% · 4.625%
HK$133,319
+HK$6,676/mo
Deposit HK$10.15M · loan HK$23.68M · min. income ≈ HK$253,286/mo (50% DSR)
Upfront cash ≈ HK$11.59M (deposit + AVD stamp duty HK$1,437,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,860
−HK$8,708/mo
▼ 0.25% · 3.875%
HK$143,180
−HK$4,388/mo
Today · 4.125%
HK$147,568
baseline
▲ 0.50% · 4.625%
HK$156,547
+HK$8,979/mo
Deposit HK$3.38M · loan HK$30.45M · min. income ≈ HK$295,136/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$1,437,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,481
−HK$8,346/mo
▼ 0.25% · 3.875%
HK$158,624
−HK$4,203/mo
Today · 4.125%
HK$162,827
baseline
▲ 0.50% · 4.625%
HK$171,410
+HK$8,583/mo
Deposit HK$3.38M · loan HK$30.45M · min. income ≈ HK$325,654/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$1,437,842 · Scale 2, in force from 26 Feb 2026)