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$77,030
−HK$4,831/mo
▼ 0.25% · 3.875%
HK$79,427
−HK$2,434/mo
Today · 4.125%
HK$81,861
baseline
▲ 0.50% · 4.625%
HK$86,842
+HK$4,981/mo
Deposit HK$16.89M · loan HK$16.89M · min. income ≈ HK$163,722/mo (50% DSR)
Upfront cash ≈ HK$18.33M (deposit + AVD stamp duty HK$1,435,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,696
−HK$4,629/mo
▼ 0.25% · 3.875%
HK$87,994
−HK$2,331/mo
Today · 4.125%
HK$90,325
baseline
▲ 0.50% · 4.625%
HK$95,087
+HK$4,762/mo
Deposit HK$16.89M · loan HK$16.89M · min. income ≈ HK$180,650/mo (50% DSR)
Upfront cash ≈ HK$18.33M (deposit + AVD stamp duty HK$1,435,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,437
−HK$5,796/mo
▼ 0.25% · 3.875%
HK$95,312
−HK$2,921/mo
Today · 4.125%
HK$98,233
baseline
▲ 0.50% · 4.625%
HK$104,210
+HK$5,977/mo
Deposit HK$13.51M · loan HK$20.27M · min. income ≈ HK$196,466/mo (50% DSR)
Upfront cash ≈ HK$14.95M (deposit + AVD stamp duty HK$1,435,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,835
−HK$5,556/mo
▼ 0.25% · 3.875%
HK$105,593
−HK$2,798/mo
Today · 4.125%
HK$108,391
baseline
▲ 0.50% · 4.625%
HK$114,104
+HK$5,713/mo
Deposit HK$13.51M · loan HK$20.27M · min. income ≈ HK$216,782/mo (50% DSR)
Upfront cash ≈ HK$14.95M (deposit + AVD stamp duty HK$1,435,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,843
−HK$6,762/mo
▼ 0.25% · 3.875%
HK$111,197
−HK$3,408/mo
Today · 4.125%
HK$114,605
baseline
▲ 0.50% · 4.625%
HK$121,579
+HK$6,974/mo
Deposit HK$10.13M · loan HK$23.65M · min. income ≈ HK$229,210/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$1,435,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,974
−HK$6,482/mo
▼ 0.25% · 3.875%
HK$123,191
−HK$3,265/mo
Today · 4.125%
HK$126,456
baseline
▲ 0.50% · 4.625%
HK$133,121
+HK$6,665/mo
Deposit HK$10.13M · loan HK$23.65M · min. income ≈ HK$252,912/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$1,435,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,655
−HK$8,695/mo
▼ 0.25% · 3.875%
HK$142,968
−HK$4,382/mo
Today · 4.125%
HK$147,350
baseline
▲ 0.50% · 4.625%
HK$156,316
+HK$8,966/mo
Deposit HK$3.38M · loan HK$30.40M · min. income ≈ HK$294,700/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$1,435,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,252
−HK$8,334/mo
▼ 0.25% · 3.875%
HK$158,389
−HK$4,197/mo
Today · 4.125%
HK$162,586
baseline
▲ 0.50% · 4.625%
HK$171,156
+HK$8,570/mo
Deposit HK$3.38M · loan HK$30.40M · min. income ≈ HK$325,172/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$1,435,713 · Scale 2, in force from 26 Feb 2026)