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$77,110
−HK$4,835/mo
▼ 0.25% · 3.875%
HK$79,508
−HK$2,437/mo
Today · 4.125%
HK$81,945
baseline
▲ 0.50% · 4.625%
HK$86,931
+HK$4,986/mo
Deposit HK$16.91M · loan HK$16.91M · min. income ≈ HK$163,890/mo (50% DSR)
Upfront cash ≈ HK$18.35M (deposit + AVD stamp duty HK$1,437,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,784
−HK$4,635/mo
▼ 0.25% · 3.875%
HK$88,085
−HK$2,334/mo
Today · 4.125%
HK$90,419
baseline
▲ 0.50% · 4.625%
HK$95,185
+HK$4,766/mo
Deposit HK$16.91M · loan HK$16.91M · min. income ≈ HK$180,838/mo (50% DSR)
Upfront cash ≈ HK$18.35M (deposit + AVD stamp duty HK$1,437,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,532
−HK$5,802/mo
▼ 0.25% · 3.875%
HK$95,410
−HK$2,924/mo
Today · 4.125%
HK$98,334
baseline
▲ 0.50% · 4.625%
HK$104,318
+HK$5,984/mo
Deposit HK$13.53M · loan HK$20.29M · min. income ≈ HK$196,668/mo (50% DSR)
Upfront cash ≈ HK$14.96M (deposit + AVD stamp duty HK$1,437,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,941
−HK$5,561/mo
▼ 0.25% · 3.875%
HK$105,701
−HK$2,801/mo
Today · 4.125%
HK$108,502
baseline
▲ 0.50% · 4.625%
HK$114,222
+HK$5,720/mo
Deposit HK$13.53M · loan HK$20.29M · min. income ≈ HK$217,004/mo (50% DSR)
Upfront cash ≈ HK$14.96M (deposit + AVD stamp duty HK$1,437,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,954
−HK$6,769/mo
▼ 0.25% · 3.875%
HK$111,312
−HK$3,411/mo
Today · 4.125%
HK$114,723
baseline
▲ 0.50% · 4.625%
HK$121,704
+HK$6,981/mo
Deposit HK$10.14M · loan HK$23.67M · min. income ≈ HK$229,446/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$1,437,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,097
−HK$6,489/mo
▼ 0.25% · 3.875%
HK$123,318
−HK$3,268/mo
Today · 4.125%
HK$126,586
baseline
▲ 0.50% · 4.625%
HK$133,258
+HK$6,672/mo
Deposit HK$10.14M · loan HK$23.67M · min. income ≈ HK$253,172/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$1,437,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,798
−HK$8,703/mo
▼ 0.25% · 3.875%
HK$143,115
−HK$4,386/mo
Today · 4.125%
HK$147,501
baseline
▲ 0.50% · 4.625%
HK$156,477
+HK$8,976/mo
Deposit HK$3.38M · loan HK$30.43M · min. income ≈ HK$295,002/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$1,437,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,411
−HK$8,342/mo
▼ 0.25% · 3.875%
HK$158,552
−HK$4,201/mo
Today · 4.125%
HK$162,753
baseline
▲ 0.50% · 4.625%
HK$171,332
+HK$8,579/mo
Deposit HK$3.38M · loan HK$30.43M · min. income ≈ HK$325,506/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$1,437,193 · Scale 2, in force from 26 Feb 2026)