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$77,130
−HK$4,836/mo
▼ 0.25% · 3.875%
HK$79,529
−HK$2,437/mo
Today · 4.125%
HK$81,966
baseline
▲ 0.50% · 4.625%
HK$86,954
+HK$4,988/mo
Deposit HK$16.91M · loan HK$16.91M · min. income ≈ HK$163,932/mo (50% DSR)
Upfront cash ≈ HK$18.35M (deposit + AVD stamp duty HK$1,437,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,806
−HK$4,636/mo
▼ 0.25% · 3.875%
HK$88,107
−HK$2,335/mo
Today · 4.125%
HK$90,442
baseline
▲ 0.50% · 4.625%
HK$95,209
+HK$4,767/mo
Deposit HK$16.91M · loan HK$16.91M · min. income ≈ HK$180,884/mo (50% DSR)
Upfront cash ≈ HK$18.35M (deposit + AVD stamp duty HK$1,437,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,556
−HK$5,804/mo
▼ 0.25% · 3.875%
HK$95,435
−HK$2,925/mo
Today · 4.125%
HK$98,360
baseline
▲ 0.50% · 4.625%
HK$104,345
+HK$5,985/mo
Deposit HK$13.53M · loan HK$20.30M · min. income ≈ HK$196,720/mo (50% DSR)
Upfront cash ≈ HK$14.97M (deposit + AVD stamp duty HK$1,437,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,967
−HK$5,563/mo
▼ 0.25% · 3.875%
HK$105,729
−HK$2,801/mo
Today · 4.125%
HK$108,530
baseline
▲ 0.50% · 4.625%
HK$114,251
+HK$5,721/mo
Deposit HK$13.53M · loan HK$20.30M · min. income ≈ HK$217,060/mo (50% DSR)
Upfront cash ≈ HK$14.97M (deposit + AVD stamp duty HK$1,437,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,982
−HK$6,771/mo
▼ 0.25% · 3.875%
HK$111,340
−HK$3,413/mo
Today · 4.125%
HK$114,753
baseline
▲ 0.50% · 4.625%
HK$121,735
+HK$6,982/mo
Deposit HK$10.15M · loan HK$23.68M · min. income ≈ HK$229,506/mo (50% DSR)
Upfront cash ≈ HK$11.59M (deposit + AVD stamp duty HK$1,437,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,128
−HK$6,491/mo
▼ 0.25% · 3.875%
HK$123,350
−HK$3,269/mo
Today · 4.125%
HK$126,619
baseline
▲ 0.50% · 4.625%
HK$133,293
+HK$6,674/mo
Deposit HK$10.15M · loan HK$23.68M · min. income ≈ HK$253,238/mo (50% DSR)
Upfront cash ≈ HK$11.59M (deposit + AVD stamp duty HK$1,437,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,833
−HK$8,707/mo
▼ 0.25% · 3.875%
HK$143,152
−HK$4,388/mo
Today · 4.125%
HK$147,540
baseline
▲ 0.50% · 4.625%
HK$156,517
+HK$8,977/mo
Deposit HK$3.38M · loan HK$30.44M · min. income ≈ HK$295,080/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$1,437,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,451
−HK$8,344/mo
▼ 0.25% · 3.875%
HK$158,593
−HK$4,202/mo
Today · 4.125%
HK$162,795
baseline
▲ 0.50% · 4.625%
HK$171,376
+HK$8,581/mo
Deposit HK$3.38M · loan HK$30.44M · min. income ≈ HK$325,590/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$1,437,563 · Scale 2, in force from 26 Feb 2026)