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$4,836/mo
▼ 0.25% · 3.875%
HK$79,503
−HK$2,437/mo
Today · 4.125%
HK$81,940
baseline
▲ 0.50% · 4.625%
HK$86,925
+HK$4,985/mo
Deposit HK$16.91M · loan HK$16.91M · min. income ≈ HK$163,880/mo (50% DSR)
Upfront cash ≈ HK$18.34M (deposit + AVD stamp duty HK$1,437,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,778
−HK$4,634/mo
▼ 0.25% · 3.875%
HK$88,078
−HK$2,334/mo
Today · 4.125%
HK$90,412
baseline
▲ 0.50% · 4.625%
HK$95,178
+HK$4,766/mo
Deposit HK$16.91M · loan HK$16.91M · min. income ≈ HK$180,824/mo (50% DSR)
Upfront cash ≈ HK$18.34M (deposit + AVD stamp duty HK$1,437,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,525
−HK$5,802/mo
▼ 0.25% · 3.875%
HK$95,403
−HK$2,924/mo
Today · 4.125%
HK$98,327
baseline
▲ 0.50% · 4.625%
HK$104,310
+HK$5,983/mo
Deposit HK$13.53M · loan HK$20.29M · min. income ≈ HK$196,654/mo (50% DSR)
Upfront cash ≈ HK$14.96M (deposit + AVD stamp duty HK$1,437,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,933
−HK$5,562/mo
▼ 0.25% · 3.875%
HK$105,694
−HK$2,801/mo
Today · 4.125%
HK$108,495
baseline
▲ 0.50% · 4.625%
HK$114,214
+HK$5,719/mo
Deposit HK$13.53M · loan HK$20.29M · min. income ≈ HK$216,990/mo (50% DSR)
Upfront cash ≈ HK$14.96M (deposit + AVD stamp duty HK$1,437,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,946
−HK$6,769/mo
▼ 0.25% · 3.875%
HK$111,304
−HK$3,411/mo
Today · 4.125%
HK$114,715
baseline
▲ 0.50% · 4.625%
HK$121,696
+HK$6,981/mo
Deposit HK$10.14M · loan HK$23.67M · min. income ≈ HK$229,430/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$1,437,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,089
−HK$6,488/mo
▼ 0.25% · 3.875%
HK$123,310
−HK$3,267/mo
Today · 4.125%
HK$126,577
baseline
▲ 0.50% · 4.625%
HK$133,249
+HK$6,672/mo
Deposit HK$10.14M · loan HK$23.67M · min. income ≈ HK$253,154/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$1,437,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,788
−HK$8,703/mo
▼ 0.25% · 3.875%
HK$143,105
−HK$4,386/mo
Today · 4.125%
HK$147,491
baseline
▲ 0.50% · 4.625%
HK$156,466
+HK$8,975/mo
Deposit HK$3.38M · loan HK$30.43M · min. income ≈ HK$294,982/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$1,437,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,400
−HK$8,342/mo
▼ 0.25% · 3.875%
HK$158,541
−HK$4,201/mo
Today · 4.125%
HK$162,742
baseline
▲ 0.50% · 4.625%
HK$171,320
+HK$8,578/mo
Deposit HK$3.38M · loan HK$30.43M · min. income ≈ HK$325,484/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$1,437,092 · Scale 2, in force from 26 Feb 2026)