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$76,933
−HK$4,824/mo
▼ 0.25% · 3.875%
HK$79,326
−HK$2,431/mo
Today · 4.125%
HK$81,757
baseline
▲ 0.50% · 4.625%
HK$86,732
+HK$4,975/mo
Deposit HK$16.87M · loan HK$16.87M · min. income ≈ HK$163,514/mo (50% DSR)
Upfront cash ≈ HK$18.30M (deposit + AVD stamp duty HK$1,433,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,587
−HK$4,624/mo
▼ 0.25% · 3.875%
HK$87,882
−HK$2,329/mo
Today · 4.125%
HK$90,211
baseline
▲ 0.50% · 4.625%
HK$94,966
+HK$4,755/mo
Deposit HK$16.87M · loan HK$16.87M · min. income ≈ HK$180,422/mo (50% DSR)
Upfront cash ≈ HK$18.30M (deposit + AVD stamp duty HK$1,433,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,319
−HK$5,789/mo
▼ 0.25% · 3.875%
HK$95,191
−HK$2,917/mo
Today · 4.125%
HK$98,108
baseline
▲ 0.50% · 4.625%
HK$104,078
+HK$5,970/mo
Deposit HK$13.50M · loan HK$20.24M · min. income ≈ HK$196,216/mo (50% DSR)
Upfront cash ≈ HK$14.93M (deposit + AVD stamp duty HK$1,433,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,704
−HK$5,549/mo
▼ 0.25% · 3.875%
HK$105,458
−HK$2,795/mo
Today · 4.125%
HK$108,253
baseline
▲ 0.50% · 4.625%
HK$113,959
+HK$5,706/mo
Deposit HK$13.50M · loan HK$20.24M · min. income ≈ HK$216,506/mo (50% DSR)
Upfront cash ≈ HK$14.93M (deposit + AVD stamp duty HK$1,433,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,706
−HK$6,754/mo
▼ 0.25% · 3.875%
HK$111,056
−HK$3,404/mo
Today · 4.125%
HK$114,460
baseline
▲ 0.50% · 4.625%
HK$121,424
+HK$6,964/mo
Deposit HK$10.12M · loan HK$23.62M · min. income ≈ HK$228,920/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$1,433,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,821
−HK$6,474/mo
▼ 0.25% · 3.875%
HK$123,035
−HK$3,260/mo
Today · 4.125%
HK$126,295
baseline
▲ 0.50% · 4.625%
HK$132,952
+HK$6,657/mo
Deposit HK$10.12M · loan HK$23.62M · min. income ≈ HK$252,590/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$1,433,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,479
−HK$8,683/mo
▼ 0.25% · 3.875%
HK$142,786
−HK$4,376/mo
Today · 4.125%
HK$147,162
baseline
▲ 0.50% · 4.625%
HK$156,117
+HK$8,955/mo
Deposit HK$3.37M · loan HK$30.36M · min. income ≈ HK$294,324/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$1,433,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,056
−HK$8,323/mo
▼ 0.25% · 3.875%
HK$158,188
−HK$4,191/mo
Today · 4.125%
HK$162,379
baseline
▲ 0.50% · 4.625%
HK$170,938
+HK$8,559/mo
Deposit HK$3.37M · loan HK$30.36M · min. income ≈ HK$324,758/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$1,433,888 · Scale 2, in force from 26 Feb 2026)