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$77,105
−HK$4,835/mo
▼ 0.25% · 3.875%
HK$79,503
−HK$2,437/mo
Today · 4.125%
HK$81,940
baseline
▲ 0.50% · 4.625%
HK$86,926
+HK$4,986/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$1,437,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,778
−HK$4,635/mo
▼ 0.25% · 3.875%
HK$88,079
−HK$2,334/mo
Today · 4.125%
HK$90,413
baseline
▲ 0.50% · 4.625%
HK$95,178
+HK$4,765/mo
Deposit HK$16.91M · loan HK$16.91M · min. income ≈ HK$180,826/mo (50% DSR)
Upfront cash ≈ HK$18.34M (deposit + AVD stamp duty HK$1,437,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,526
−HK$5,802/mo
▼ 0.25% · 3.875%
HK$95,404
−HK$2,924/mo
Today · 4.125%
HK$98,328
baseline
▲ 0.50% · 4.625%
HK$104,311
+HK$5,983/mo
Deposit HK$13.53M · loan HK$20.29M · min. income ≈ HK$196,656/mo (50% DSR)
Upfront cash ≈ HK$14.96M (deposit + AVD stamp duty HK$1,437,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,934
−HK$5,561/mo
▼ 0.25% · 3.875%
HK$105,695
−HK$2,800/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$1,437,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,947
−HK$6,769/mo
▼ 0.25% · 3.875%
HK$111,305
−HK$3,411/mo
Today · 4.125%
HK$114,716
baseline
▲ 0.50% · 4.625%
HK$121,696
+HK$6,980/mo
Deposit HK$10.14M · loan HK$23.67M · min. income ≈ HK$229,432/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$1,437,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,090
−HK$6,488/mo
▼ 0.25% · 3.875%
HK$123,310
−HK$3,268/mo
Today · 4.125%
HK$126,578
baseline
▲ 0.50% · 4.625%
HK$133,250
+HK$6,672/mo
Deposit HK$10.14M · loan HK$23.67M · min. income ≈ HK$253,156/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$1,437,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,789
−HK$8,703/mo
▼ 0.25% · 3.875%
HK$143,106
−HK$4,386/mo
Today · 4.125%
HK$147,492
baseline
▲ 0.50% · 4.625%
HK$156,467
+HK$8,975/mo
Deposit HK$3.38M · loan HK$30.43M · min. income ≈ HK$294,984/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$1,437,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,401
−HK$8,342/mo
▼ 0.25% · 3.875%
HK$158,542
−HK$4,201/mo
Today · 4.125%
HK$162,743
baseline
▲ 0.50% · 4.625%
HK$171,321
+HK$8,578/mo
Deposit HK$3.38M · loan HK$30.43M · min. income ≈ HK$325,486/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$1,437,100 · Scale 2, in force from 26 Feb 2026)