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$76,998
−HK$4,828/mo
▼ 0.25% · 3.875%
HK$79,393
−HK$2,433/mo
Today · 4.125%
HK$81,826
baseline
▲ 0.50% · 4.625%
HK$86,805
+HK$4,979/mo
Deposit HK$16.88M · loan HK$16.88M · min. income ≈ HK$163,652/mo (50% DSR)
Upfront cash ≈ HK$18.32M (deposit + AVD stamp duty HK$1,435,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,659
−HK$4,628/mo
▼ 0.25% · 3.875%
HK$87,956
−HK$2,331/mo
Today · 4.125%
HK$90,287
baseline
▲ 0.50% · 4.625%
HK$95,046
+HK$4,759/mo
Deposit HK$16.88M · loan HK$16.88M · min. income ≈ HK$180,574/mo (50% DSR)
Upfront cash ≈ HK$18.32M (deposit + AVD stamp duty HK$1,435,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,397
−HK$5,794/mo
▼ 0.25% · 3.875%
HK$95,271
−HK$2,920/mo
Today · 4.125%
HK$98,191
baseline
▲ 0.50% · 4.625%
HK$104,166
+HK$5,975/mo
Deposit HK$13.51M · loan HK$20.26M · min. income ≈ HK$196,382/mo (50% DSR)
Upfront cash ≈ HK$14.94M (deposit + AVD stamp duty HK$1,435,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,791
−HK$5,553/mo
▼ 0.25% · 3.875%
HK$105,548
−HK$2,796/mo
Today · 4.125%
HK$108,344
baseline
▲ 0.50% · 4.625%
HK$114,055
+HK$5,711/mo
Deposit HK$13.51M · loan HK$20.26M · min. income ≈ HK$216,688/mo (50% DSR)
Upfront cash ≈ HK$14.94M (deposit + AVD stamp duty HK$1,435,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,797
−HK$6,760/mo
▼ 0.25% · 3.875%
HK$111,150
−HK$3,407/mo
Today · 4.125%
HK$114,557
baseline
▲ 0.50% · 4.625%
HK$121,527
+HK$6,970/mo
Deposit HK$10.13M · loan HK$23.64M · min. income ≈ HK$229,114/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$1,435,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,923
−HK$6,479/mo
▼ 0.25% · 3.875%
HK$123,139
−HK$3,263/mo
Today · 4.125%
HK$126,402
baseline
▲ 0.50% · 4.625%
HK$133,065
+HK$6,663/mo
Deposit HK$10.13M · loan HK$23.64M · min. income ≈ HK$252,804/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$1,435,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,596
−HK$8,691/mo
▼ 0.25% · 3.875%
HK$142,907
−HK$4,380/mo
Today · 4.125%
HK$147,287
baseline
▲ 0.50% · 4.625%
HK$156,249
+HK$8,962/mo
Deposit HK$3.38M · loan HK$30.39M · min. income ≈ HK$294,574/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$1,435,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,186
−HK$8,331/mo
▼ 0.25% · 3.875%
HK$158,322
−HK$4,195/mo
Today · 4.125%
HK$162,517
baseline
▲ 0.50% · 4.625%
HK$171,083
+HK$8,566/mo
Deposit HK$3.38M · loan HK$30.39M · min. income ≈ HK$325,034/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$1,435,102 · Scale 2, in force from 26 Feb 2026)