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$76,953
−HK$4,825/mo
▼ 0.25% · 3.875%
HK$79,347
−HK$2,431/mo
Today · 4.125%
HK$81,778
baseline
▲ 0.50% · 4.625%
HK$86,755
+HK$4,977/mo
Deposit HK$16.87M · loan HK$16.87M · min. income ≈ HK$163,556/mo (50% DSR)
Upfront cash ≈ HK$18.31M (deposit + AVD stamp duty HK$1,434,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,609
−HK$4,625/mo
▼ 0.25% · 3.875%
HK$87,905
−HK$2,329/mo
Today · 4.125%
HK$90,234
baseline
▲ 0.50% · 4.625%
HK$94,991
+HK$4,757/mo
Deposit HK$16.87M · loan HK$16.87M · min. income ≈ HK$180,468/mo (50% DSR)
Upfront cash ≈ HK$18.31M (deposit + AVD stamp duty HK$1,434,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,343
−HK$5,791/mo
▼ 0.25% · 3.875%
HK$95,216
−HK$2,918/mo
Today · 4.125%
HK$98,134
baseline
▲ 0.50% · 4.625%
HK$104,105
+HK$5,971/mo
Deposit HK$13.50M · loan HK$20.25M · min. income ≈ HK$196,268/mo (50% DSR)
Upfront cash ≈ HK$14.93M (deposit + AVD stamp duty HK$1,434,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,731
−HK$5,550/mo
▼ 0.25% · 3.875%
HK$105,486
−HK$2,795/mo
Today · 4.125%
HK$108,281
baseline
▲ 0.50% · 4.625%
HK$113,989
+HK$5,708/mo
Deposit HK$13.50M · loan HK$20.25M · min. income ≈ HK$216,562/mo (50% DSR)
Upfront cash ≈ HK$14.93M (deposit + AVD stamp duty HK$1,434,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,734
−HK$6,756/mo
▼ 0.25% · 3.875%
HK$111,085
−HK$3,405/mo
Today · 4.125%
HK$114,490
baseline
▲ 0.50% · 4.625%
HK$121,456
+HK$6,966/mo
Deposit HK$10.12M · loan HK$23.62M · min. income ≈ HK$228,980/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$1,434,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,853
−HK$6,475/mo
▼ 0.25% · 3.875%
HK$123,067
−HK$3,261/mo
Today · 4.125%
HK$126,328
baseline
▲ 0.50% · 4.625%
HK$132,987
+HK$6,659/mo
Deposit HK$10.12M · loan HK$23.62M · min. income ≈ HK$252,656/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$1,434,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,515
−HK$8,686/mo
▼ 0.25% · 3.875%
HK$142,824
−HK$4,377/mo
Today · 4.125%
HK$147,201
baseline
▲ 0.50% · 4.625%
HK$156,158
+HK$8,957/mo
Deposit HK$3.37M · loan HK$30.37M · min. income ≈ HK$294,402/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$1,434,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,097
−HK$8,325/mo
▼ 0.25% · 3.875%
HK$158,229
−HK$4,193/mo
Today · 4.125%
HK$162,422
baseline
▲ 0.50% · 4.625%
HK$170,984
+HK$8,562/mo
Deposit HK$3.37M · loan HK$30.37M · min. income ≈ HK$324,844/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$1,434,267 · Scale 2, in force from 26 Feb 2026)