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$76,960
−HK$4,826/mo
▼ 0.25% · 3.875%
HK$79,354
−HK$2,432/mo
Today · 4.125%
HK$81,786
baseline
▲ 0.50% · 4.625%
HK$86,763
+HK$4,977/mo
Deposit HK$16.88M · loan HK$16.88M · min. income ≈ HK$163,572/mo (50% DSR)
Upfront cash ≈ HK$18.31M (deposit + AVD stamp duty HK$1,434,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,617
−HK$4,626/mo
▼ 0.25% · 3.875%
HK$87,914
−HK$2,329/mo
Today · 4.125%
HK$90,243
baseline
▲ 0.50% · 4.625%
HK$95,000
+HK$4,757/mo
Deposit HK$16.88M · loan HK$16.88M · min. income ≈ HK$180,486/mo (50% DSR)
Upfront cash ≈ HK$18.31M (deposit + AVD stamp duty HK$1,434,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,352
−HK$5,792/mo
▼ 0.25% · 3.875%
HK$95,225
−HK$2,919/mo
Today · 4.125%
HK$98,144
baseline
▲ 0.50% · 4.625%
HK$104,115
+HK$5,971/mo
Deposit HK$13.50M · loan HK$20.25M · min. income ≈ HK$196,288/mo (50% DSR)
Upfront cash ≈ HK$14.93M (deposit + AVD stamp duty HK$1,434,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,741
−HK$5,551/mo
▼ 0.25% · 3.875%
HK$105,496
−HK$2,796/mo
Today · 4.125%
HK$108,292
baseline
▲ 0.50% · 4.625%
HK$114,000
+HK$5,708/mo
Deposit HK$13.50M · loan HK$20.25M · min. income ≈ HK$216,584/mo (50% DSR)
Upfront cash ≈ HK$14.93M (deposit + AVD stamp duty HK$1,434,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,744
−HK$6,757/mo
▼ 0.25% · 3.875%
HK$111,096
−HK$3,405/mo
Today · 4.125%
HK$114,501
baseline
▲ 0.50% · 4.625%
HK$121,468
+HK$6,967/mo
Deposit HK$10.13M · loan HK$23.63M · min. income ≈ HK$229,002/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$1,434,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,864
−HK$6,476/mo
▼ 0.25% · 3.875%
HK$123,079
−HK$3,261/mo
Today · 4.125%
HK$126,340
baseline
▲ 0.50% · 4.625%
HK$133,000
+HK$6,660/mo
Deposit HK$10.13M · loan HK$23.63M · min. income ≈ HK$252,680/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$1,434,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,528
−HK$8,687/mo
▼ 0.25% · 3.875%
HK$142,837
−HK$4,378/mo
Today · 4.125%
HK$147,215
baseline
▲ 0.50% · 4.625%
HK$156,173
+HK$8,958/mo
Deposit HK$3.38M · loan HK$30.38M · min. income ≈ HK$294,430/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$1,434,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,111
−HK$8,327/mo
▼ 0.25% · 3.875%
HK$158,245
−HK$4,193/mo
Today · 4.125%
HK$162,438
baseline
▲ 0.50% · 4.625%
HK$171,000
+HK$8,562/mo
Deposit HK$3.38M · loan HK$30.38M · min. income ≈ HK$324,876/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$1,434,404 · Scale 2, in force from 26 Feb 2026)