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$76,963
−HK$4,826/mo
▼ 0.25% · 3.875%
HK$79,356
−HK$2,433/mo
Today · 4.125%
HK$81,789
baseline
▲ 0.50% · 4.625%
HK$86,765
+HK$4,976/mo
Deposit HK$16.88M · loan HK$16.88M · min. income ≈ HK$163,578/mo (50% DSR)
Upfront cash ≈ HK$18.31M (deposit + AVD stamp duty HK$1,434,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,620
−HK$4,626/mo
▼ 0.25% · 3.875%
HK$87,916
−HK$2,330/mo
Today · 4.125%
HK$90,246
baseline
▲ 0.50% · 4.625%
HK$95,003
+HK$4,757/mo
Deposit HK$16.88M · loan HK$16.88M · min. income ≈ HK$180,492/mo (50% DSR)
Upfront cash ≈ HK$18.31M (deposit + AVD stamp duty HK$1,434,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,355
−HK$5,791/mo
▼ 0.25% · 3.875%
HK$95,228
−HK$2,918/mo
Today · 4.125%
HK$98,146
baseline
▲ 0.50% · 4.625%
HK$104,118
+HK$5,972/mo
Deposit HK$13.50M · loan HK$20.25M · min. income ≈ HK$196,292/mo (50% DSR)
Upfront cash ≈ HK$14.94M (deposit + AVD stamp duty HK$1,434,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,744
−HK$5,551/mo
▼ 0.25% · 3.875%
HK$105,500
−HK$2,795/mo
Today · 4.125%
HK$108,295
baseline
▲ 0.50% · 4.625%
HK$114,003
+HK$5,708/mo
Deposit HK$13.50M · loan HK$20.25M · min. income ≈ HK$216,590/mo (50% DSR)
Upfront cash ≈ HK$14.94M (deposit + AVD stamp duty HK$1,434,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,748
−HK$6,756/mo
▼ 0.25% · 3.875%
HK$111,099
−HK$3,405/mo
Today · 4.125%
HK$114,504
baseline
▲ 0.50% · 4.625%
HK$121,472
+HK$6,968/mo
Deposit HK$10.13M · loan HK$23.63M · min. income ≈ HK$229,008/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$1,434,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,868
−HK$6,476/mo
▼ 0.25% · 3.875%
HK$123,083
−HK$3,261/mo
Today · 4.125%
HK$126,344
baseline
▲ 0.50% · 4.625%
HK$133,004
+HK$6,660/mo
Deposit HK$10.13M · loan HK$23.63M · min. income ≈ HK$252,688/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$1,434,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,533
−HK$8,687/mo
▼ 0.25% · 3.875%
HK$142,842
−HK$4,378/mo
Today · 4.125%
HK$147,220
baseline
▲ 0.50% · 4.625%
HK$156,178
+HK$8,958/mo
Deposit HK$3.38M · loan HK$30.38M · min. income ≈ HK$294,440/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$1,434,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,116
−HK$8,326/mo
▼ 0.25% · 3.875%
HK$158,249
−HK$4,193/mo
Today · 4.125%
HK$162,442
baseline
▲ 0.50% · 4.625%
HK$171,005
+HK$8,563/mo
Deposit HK$3.38M · loan HK$30.38M · min. income ≈ HK$324,884/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$1,434,447 · Scale 2, in force from 26 Feb 2026)