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$77,071
−HK$4,833/mo
▼ 0.25% · 3.875%
HK$79,468
−HK$2,436/mo
Today · 4.125%
HK$81,904
baseline
▲ 0.50% · 4.625%
HK$86,887
+HK$4,983/mo
Deposit HK$16.90M · loan HK$16.90M · min. income ≈ HK$163,808/mo (50% DSR)
Upfront cash ≈ HK$18.34M (deposit + AVD stamp duty HK$1,436,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,740
−HK$4,633/mo
▼ 0.25% · 3.875%
HK$88,040
−HK$2,333/mo
Today · 4.125%
HK$90,373
baseline
▲ 0.50% · 4.625%
HK$95,136
+HK$4,763/mo
Deposit HK$16.90M · loan HK$16.90M · min. income ≈ HK$180,746/mo (50% DSR)
Upfront cash ≈ HK$18.34M (deposit + AVD stamp duty HK$1,436,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,485
−HK$5,799/mo
▼ 0.25% · 3.875%
HK$95,362
−HK$2,922/mo
Today · 4.125%
HK$98,284
baseline
▲ 0.50% · 4.625%
HK$104,265
+HK$5,981/mo
Deposit HK$13.52M · loan HK$20.28M · min. income ≈ HK$196,568/mo (50% DSR)
Upfront cash ≈ HK$14.96M (deposit + AVD stamp duty HK$1,436,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,888
−HK$5,559/mo
▼ 0.25% · 3.875%
HK$105,648
−HK$2,799/mo
Today · 4.125%
HK$108,447
baseline
▲ 0.50% · 4.625%
HK$114,164
+HK$5,717/mo
Deposit HK$13.52M · loan HK$20.28M · min. income ≈ HK$216,894/mo (50% DSR)
Upfront cash ≈ HK$14.96M (deposit + AVD stamp duty HK$1,436,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,899
−HK$6,766/mo
▼ 0.25% · 3.875%
HK$111,255
−HK$3,410/mo
Today · 4.125%
HK$114,665
baseline
▲ 0.50% · 4.625%
HK$121,642
+HK$6,977/mo
Deposit HK$10.14M · loan HK$23.66M · min. income ≈ HK$229,330/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$1,436,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,037
−HK$6,485/mo
▼ 0.25% · 3.875%
HK$123,256
−HK$3,266/mo
Today · 4.125%
HK$126,522
baseline
▲ 0.50% · 4.625%
HK$133,191
+HK$6,669/mo
Deposit HK$10.14M · loan HK$23.66M · min. income ≈ HK$253,044/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$1,436,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,727
−HK$8,700/mo
▼ 0.25% · 3.875%
HK$143,042
−HK$4,385/mo
Today · 4.125%
HK$147,427
baseline
▲ 0.50% · 4.625%
HK$156,397
+HK$8,970/mo
Deposit HK$3.38M · loan HK$30.42M · min. income ≈ HK$294,854/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$1,436,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,333
−HK$8,338/mo
▼ 0.25% · 3.875%
HK$158,472
−HK$4,199/mo
Today · 4.125%
HK$162,671
baseline
▲ 0.50% · 4.625%
HK$171,245
+HK$8,574/mo
Deposit HK$3.38M · loan HK$30.42M · min. income ≈ HK$325,342/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$1,436,464 · Scale 2, in force from 26 Feb 2026)