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$76,780
−HK$4,814/mo
▼ 0.25% · 3.875%
HK$79,168
−HK$2,426/mo
Today · 4.125%
HK$81,594
baseline
▲ 0.50% · 4.625%
HK$86,559
+HK$4,965/mo
Deposit HK$16.84M · loan HK$16.84M · min. income ≈ HK$163,188/mo (50% DSR)
Upfront cash ≈ HK$18.27M (deposit + AVD stamp duty HK$1,431,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,417
−HK$4,614/mo
▼ 0.25% · 3.875%
HK$87,707
−HK$2,324/mo
Today · 4.125%
HK$90,031
baseline
▲ 0.50% · 4.625%
HK$94,777
+HK$4,746/mo
Deposit HK$16.84M · loan HK$16.84M · min. income ≈ HK$180,062/mo (50% DSR)
Upfront cash ≈ HK$18.27M (deposit + AVD stamp duty HK$1,431,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,135
−HK$5,778/mo
▼ 0.25% · 3.875%
HK$95,001
−HK$2,912/mo
Today · 4.125%
HK$97,913
baseline
▲ 0.50% · 4.625%
HK$103,871
+HK$5,958/mo
Deposit HK$13.47M · loan HK$20.20M · min. income ≈ HK$195,826/mo (50% DSR)
Upfront cash ≈ HK$14.90M (deposit + AVD stamp duty HK$1,431,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,500
−HK$5,538/mo
▼ 0.25% · 3.875%
HK$105,249
−HK$2,789/mo
Today · 4.125%
HK$108,038
baseline
▲ 0.50% · 4.625%
HK$113,732
+HK$5,694/mo
Deposit HK$13.47M · loan HK$20.20M · min. income ≈ HK$216,076/mo (50% DSR)
Upfront cash ≈ HK$14.90M (deposit + AVD stamp duty HK$1,431,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,491
−HK$6,741/mo
▼ 0.25% · 3.875%
HK$110,835
−HK$3,397/mo
Today · 4.125%
HK$114,232
baseline
▲ 0.50% · 4.625%
HK$121,183
+HK$6,951/mo
Deposit HK$10.10M · loan HK$23.57M · min. income ≈ HK$228,464/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$1,431,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,583
−HK$6,461/mo
▼ 0.25% · 3.875%
HK$122,790
−HK$3,254/mo
Today · 4.125%
HK$126,044
baseline
▲ 0.50% · 4.625%
HK$132,688
+HK$6,644/mo
Deposit HK$10.10M · loan HK$23.57M · min. income ≈ HK$252,088/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$1,431,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,203
−HK$8,667/mo
▼ 0.25% · 3.875%
HK$142,502
−HK$4,368/mo
Today · 4.125%
HK$146,870
baseline
▲ 0.50% · 4.625%
HK$155,806
+HK$8,936/mo
Deposit HK$3.37M · loan HK$30.30M · min. income ≈ HK$293,740/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$1,431,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,750
−HK$8,306/mo
▼ 0.25% · 3.875%
HK$157,873
−HK$4,183/mo
Today · 4.125%
HK$162,056
baseline
▲ 0.50% · 4.625%
HK$170,599
+HK$8,543/mo
Deposit HK$3.37M · loan HK$30.30M · min. income ≈ HK$324,112/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$1,431,038 · Scale 2, in force from 26 Feb 2026)