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$76,715
−HK$4,811/mo
▼ 0.25% · 3.875%
HK$79,101
−HK$2,425/mo
Today · 4.125%
HK$81,526
baseline
▲ 0.50% · 4.625%
HK$86,486
+HK$4,960/mo
Deposit HK$16.82M · loan HK$16.82M · min. income ≈ HK$163,052/mo (50% DSR)
Upfront cash ≈ HK$18.25M (deposit + AVD stamp duty HK$1,429,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,345
−HK$4,610/mo
▼ 0.25% · 3.875%
HK$87,633
−HK$2,322/mo
Today · 4.125%
HK$89,955
baseline
▲ 0.50% · 4.625%
HK$94,697
+HK$4,742/mo
Deposit HK$16.82M · loan HK$16.82M · min. income ≈ HK$179,910/mo (50% DSR)
Upfront cash ≈ HK$18.25M (deposit + AVD stamp duty HK$1,429,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,058
−HK$5,773/mo
▼ 0.25% · 3.875%
HK$94,921
−HK$2,910/mo
Today · 4.125%
HK$97,831
baseline
▲ 0.50% · 4.625%
HK$103,783
+HK$5,952/mo
Deposit HK$13.46M · loan HK$20.19M · min. income ≈ HK$195,662/mo (50% DSR)
Upfront cash ≈ HK$14.89M (deposit + AVD stamp duty HK$1,429,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,413
−HK$5,534/mo
▼ 0.25% · 3.875%
HK$105,160
−HK$2,787/mo
Today · 4.125%
HK$107,947
baseline
▲ 0.50% · 4.625%
HK$113,637
+HK$5,690/mo
Deposit HK$13.46M · loan HK$20.19M · min. income ≈ HK$215,894/mo (50% DSR)
Upfront cash ≈ HK$14.89M (deposit + AVD stamp duty HK$1,429,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,401
−HK$6,735/mo
▼ 0.25% · 3.875%
HK$110,742
−HK$3,394/mo
Today · 4.125%
HK$114,136
baseline
▲ 0.50% · 4.625%
HK$121,081
+HK$6,945/mo
Deposit HK$10.09M · loan HK$23.55M · min. income ≈ HK$228,272/mo (50% DSR)
Upfront cash ≈ HK$11.52M (deposit + AVD stamp duty HK$1,429,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,482
−HK$6,456/mo
▼ 0.25% · 3.875%
HK$122,687
−HK$3,251/mo
Today · 4.125%
HK$125,938
baseline
▲ 0.50% · 4.625%
HK$132,576
+HK$6,638/mo
Deposit HK$10.09M · loan HK$23.55M · min. income ≈ HK$251,876/mo (50% DSR)
Upfront cash ≈ HK$11.52M (deposit + AVD stamp duty HK$1,429,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,087
−HK$8,659/mo
▼ 0.25% · 3.875%
HK$142,382
−HK$4,364/mo
Today · 4.125%
HK$146,746
baseline
▲ 0.50% · 4.625%
HK$155,675
+HK$8,929/mo
Deposit HK$3.36M · loan HK$30.28M · min. income ≈ HK$293,492/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$1,429,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,620
−HK$8,300/mo
▼ 0.25% · 3.875%
HK$157,740
−HK$4,180/mo
Today · 4.125%
HK$161,920
baseline
▲ 0.50% · 4.625%
HK$170,455
+HK$8,535/mo
Deposit HK$3.36M · loan HK$30.28M · min. income ≈ HK$323,840/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$1,429,832 · Scale 2, in force from 26 Feb 2026)