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$76,730
−HK$4,811/mo
▼ 0.25% · 3.875%
HK$79,117
−HK$2,424/mo
Today · 4.125%
HK$81,541
baseline
▲ 0.50% · 4.625%
HK$86,503
+HK$4,962/mo
Deposit HK$16.82M · loan HK$16.82M · min. income ≈ HK$163,082/mo (50% DSR)
Upfront cash ≈ HK$18.25M (deposit + AVD stamp duty HK$1,430,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,361
−HK$4,612/mo
▼ 0.25% · 3.875%
HK$87,650
−HK$2,323/mo
Today · 4.125%
HK$89,973
baseline
▲ 0.50% · 4.625%
HK$94,716
+HK$4,743/mo
Deposit HK$16.82M · loan HK$16.82M · min. income ≈ HK$179,946/mo (50% DSR)
Upfront cash ≈ HK$18.25M (deposit + AVD stamp duty HK$1,430,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,076
−HK$5,774/mo
▼ 0.25% · 3.875%
HK$94,940
−HK$2,910/mo
Today · 4.125%
HK$97,850
baseline
▲ 0.50% · 4.625%
HK$103,804
+HK$5,954/mo
Deposit HK$13.46M · loan HK$20.19M · min. income ≈ HK$195,700/mo (50% DSR)
Upfront cash ≈ HK$14.89M (deposit + AVD stamp duty HK$1,430,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,433
−HK$5,535/mo
▼ 0.25% · 3.875%
HK$105,181
−HK$2,787/mo
Today · 4.125%
HK$107,968
baseline
▲ 0.50% · 4.625%
HK$113,659
+HK$5,691/mo
Deposit HK$13.46M · loan HK$20.19M · min. income ≈ HK$215,936/mo (50% DSR)
Upfront cash ≈ HK$14.89M (deposit + AVD stamp duty HK$1,430,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,422
−HK$6,736/mo
▼ 0.25% · 3.875%
HK$110,763
−HK$3,395/mo
Today · 4.125%
HK$114,158
baseline
▲ 0.50% · 4.625%
HK$121,104
+HK$6,946/mo
Deposit HK$10.09M · loan HK$23.55M · min. income ≈ HK$228,316/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$1,430,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,506
−HK$6,456/mo
▼ 0.25% · 3.875%
HK$122,711
−HK$3,251/mo
Today · 4.125%
HK$125,962
baseline
▲ 0.50% · 4.625%
HK$132,602
+HK$6,640/mo
Deposit HK$10.09M · loan HK$23.55M · min. income ≈ HK$251,924/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$1,430,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,114
−HK$8,661/mo
▼ 0.25% · 3.875%
HK$142,410
−HK$4,365/mo
Today · 4.125%
HK$146,775
baseline
▲ 0.50% · 4.625%
HK$155,705
+HK$8,930/mo
Deposit HK$3.36M · loan HK$30.28M · min. income ≈ HK$293,550/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$1,430,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,650
−HK$8,301/mo
▼ 0.25% · 3.875%
HK$157,771
−HK$4,180/mo
Today · 4.125%
HK$161,951
baseline
▲ 0.50% · 4.625%
HK$170,488
+HK$8,537/mo
Deposit HK$3.36M · loan HK$30.28M · min. income ≈ HK$323,902/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$1,430,110 · Scale 2, in force from 26 Feb 2026)