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$77,121
−HK$4,837/mo
▼ 0.25% · 3.875%
HK$79,520
−HK$2,438/mo
Today · 4.125%
HK$81,958
baseline
▲ 0.50% · 4.625%
HK$86,945
+HK$4,987/mo
Deposit HK$16.91M · loan HK$16.91M · min. income ≈ HK$163,916/mo (50% DSR)
Upfront cash ≈ HK$18.35M (deposit + AVD stamp duty HK$1,437,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,797
−HK$4,635/mo
▼ 0.25% · 3.875%
HK$88,098
−HK$2,334/mo
Today · 4.125%
HK$90,432
baseline
▲ 0.50% · 4.625%
HK$95,199
+HK$4,767/mo
Deposit HK$16.91M · loan HK$16.91M · min. income ≈ HK$180,864/mo (50% DSR)
Upfront cash ≈ HK$18.35M (deposit + AVD stamp duty HK$1,437,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,546
−HK$5,803/mo
▼ 0.25% · 3.875%
HK$95,424
−HK$2,925/mo
Today · 4.125%
HK$98,349
baseline
▲ 0.50% · 4.625%
HK$104,334
+HK$5,985/mo
Deposit HK$13.53M · loan HK$20.29M · min. income ≈ HK$196,698/mo (50% DSR)
Upfront cash ≈ HK$14.97M (deposit + AVD stamp duty HK$1,437,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,956
−HK$5,563/mo
▼ 0.25% · 3.875%
HK$105,718
−HK$2,801/mo
Today · 4.125%
HK$108,519
baseline
▲ 0.50% · 4.625%
HK$114,239
+HK$5,720/mo
Deposit HK$13.53M · loan HK$20.29M · min. income ≈ HK$217,038/mo (50% DSR)
Upfront cash ≈ HK$14.97M (deposit + AVD stamp duty HK$1,437,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,970
−HK$6,771/mo
▼ 0.25% · 3.875%
HK$111,329
−HK$3,412/mo
Today · 4.125%
HK$114,741
baseline
▲ 0.50% · 4.625%
HK$121,722
+HK$6,981/mo
Deposit HK$10.15M · loan HK$23.67M · min. income ≈ HK$229,482/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$1,437,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,116
−HK$6,489/mo
▼ 0.25% · 3.875%
HK$123,337
−HK$3,268/mo
Today · 4.125%
HK$126,605
baseline
▲ 0.50% · 4.625%
HK$133,279
+HK$6,674/mo
Deposit HK$10.15M · loan HK$23.67M · min. income ≈ HK$253,210/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$1,437,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,819
−HK$8,705/mo
▼ 0.25% · 3.875%
HK$143,137
−HK$4,387/mo
Today · 4.125%
HK$147,524
baseline
▲ 0.50% · 4.625%
HK$156,500
+HK$8,976/mo
Deposit HK$3.38M · loan HK$30.44M · min. income ≈ HK$295,048/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$1,437,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,434
−HK$8,344/mo
▼ 0.25% · 3.875%
HK$158,576
−HK$4,202/mo
Today · 4.125%
HK$162,778
baseline
▲ 0.50% · 4.625%
HK$171,358
+HK$8,580/mo
Deposit HK$3.38M · loan HK$30.44M · min. income ≈ HK$325,556/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$1,437,411 · Scale 2, in force from 26 Feb 2026)