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$76,832
−HK$4,818/mo
▼ 0.25% · 3.875%
HK$79,222
−HK$2,428/mo
Today · 4.125%
HK$81,650
baseline
▲ 0.50% · 4.625%
HK$86,618
+HK$4,968/mo
Deposit HK$16.85M · loan HK$16.85M · min. income ≈ HK$163,300/mo (50% DSR)
Upfront cash ≈ HK$18.28M (deposit + AVD stamp duty HK$1,432,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,474
−HK$4,618/mo
▼ 0.25% · 3.875%
HK$87,767
−HK$2,325/mo
Today · 4.125%
HK$90,092
baseline
▲ 0.50% · 4.625%
HK$94,841
+HK$4,749/mo
Deposit HK$16.85M · loan HK$16.85M · min. income ≈ HK$180,184/mo (50% DSR)
Upfront cash ≈ HK$18.28M (deposit + AVD stamp duty HK$1,432,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,198
−HK$5,782/mo
▼ 0.25% · 3.875%
HK$95,066
−HK$2,914/mo
Today · 4.125%
HK$97,980
baseline
▲ 0.50% · 4.625%
HK$103,941
+HK$5,961/mo
Deposit HK$13.48M · loan HK$20.22M · min. income ≈ HK$195,960/mo (50% DSR)
Upfront cash ≈ HK$14.91M (deposit + AVD stamp duty HK$1,432,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,569
−HK$5,542/mo
▼ 0.25% · 3.875%
HK$105,320
−HK$2,791/mo
Today · 4.125%
HK$108,111
baseline
▲ 0.50% · 4.625%
HK$113,809
+HK$5,698/mo
Deposit HK$13.48M · loan HK$20.22M · min. income ≈ HK$216,222/mo (50% DSR)
Upfront cash ≈ HK$14.91M (deposit + AVD stamp duty HK$1,432,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,564
−HK$6,746/mo
▼ 0.25% · 3.875%
HK$110,910
−HK$3,400/mo
Today · 4.125%
HK$114,310
baseline
▲ 0.50% · 4.625%
HK$121,265
+HK$6,955/mo
Deposit HK$10.11M · loan HK$23.59M · min. income ≈ HK$228,620/mo (50% DSR)
Upfront cash ≈ HK$11.54M (deposit + AVD stamp duty HK$1,432,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,664
−HK$6,465/mo
▼ 0.25% · 3.875%
HK$122,874
−HK$3,255/mo
Today · 4.125%
HK$126,129
baseline
▲ 0.50% · 4.625%
HK$132,778
+HK$6,649/mo
Deposit HK$10.11M · loan HK$23.59M · min. income ≈ HK$252,258/mo (50% DSR)
Upfront cash ≈ HK$11.54M (deposit + AVD stamp duty HK$1,432,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,297
−HK$8,672/mo
▼ 0.25% · 3.875%
HK$142,599
−HK$4,370/mo
Today · 4.125%
HK$146,969
baseline
▲ 0.50% · 4.625%
HK$155,912
+HK$8,943/mo
Deposit HK$3.37M · loan HK$30.32M · min. income ≈ HK$293,938/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$1,432,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,854
−HK$8,312/mo
▼ 0.25% · 3.875%
HK$157,980
−HK$4,186/mo
Today · 4.125%
HK$162,166
baseline
▲ 0.50% · 4.625%
HK$170,714
+HK$8,548/mo
Deposit HK$3.37M · loan HK$30.32M · min. income ≈ HK$324,332/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$1,432,008 · Scale 2, in force from 26 Feb 2026)