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$76,726
−HK$4,811/mo
▼ 0.25% · 3.875%
HK$79,112
−HK$2,425/mo
Today · 4.125%
HK$81,537
baseline
▲ 0.50% · 4.625%
HK$86,498
+HK$4,961/mo
Deposit HK$16.82M · loan HK$16.82M · min. income ≈ HK$163,074/mo (50% DSR)
Upfront cash ≈ HK$18.25M (deposit + AVD stamp duty HK$1,430,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,357
−HK$4,611/mo
▼ 0.25% · 3.875%
HK$87,646
−HK$2,322/mo
Today · 4.125%
HK$89,968
baseline
▲ 0.50% · 4.625%
HK$94,710
+HK$4,742/mo
Deposit HK$16.82M · loan HK$16.82M · min. income ≈ HK$179,936/mo (50% DSR)
Upfront cash ≈ HK$18.25M (deposit + AVD stamp duty HK$1,430,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,071
−HK$5,773/mo
▼ 0.25% · 3.875%
HK$94,935
−HK$2,909/mo
Today · 4.125%
HK$97,844
baseline
▲ 0.50% · 4.625%
HK$103,798
+HK$5,954/mo
Deposit HK$13.46M · loan HK$20.19M · min. income ≈ HK$195,688/mo (50% DSR)
Upfront cash ≈ HK$14.89M (deposit + AVD stamp duty HK$1,430,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,428
−HK$5,534/mo
▼ 0.25% · 3.875%
HK$105,175
−HK$2,787/mo
Today · 4.125%
HK$107,962
baseline
▲ 0.50% · 4.625%
HK$113,653
+HK$5,691/mo
Deposit HK$13.46M · loan HK$20.19M · min. income ≈ HK$215,924/mo (50% DSR)
Upfront cash ≈ HK$14.89M (deposit + AVD stamp duty HK$1,430,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,416
−HK$6,736/mo
▼ 0.25% · 3.875%
HK$110,757
−HK$3,395/mo
Today · 4.125%
HK$114,152
baseline
▲ 0.50% · 4.625%
HK$121,098
+HK$6,946/mo
Deposit HK$10.09M · loan HK$23.55M · min. income ≈ HK$228,304/mo (50% DSR)
Upfront cash ≈ HK$11.52M (deposit + AVD stamp duty HK$1,430,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,499
−HK$6,456/mo
▼ 0.25% · 3.875%
HK$122,704
−HK$3,251/mo
Today · 4.125%
HK$125,955
baseline
▲ 0.50% · 4.625%
HK$132,595
+HK$6,640/mo
Deposit HK$10.09M · loan HK$23.55M · min. income ≈ HK$251,910/mo (50% DSR)
Upfront cash ≈ HK$11.52M (deposit + AVD stamp duty HK$1,430,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,106
−HK$8,661/mo
▼ 0.25% · 3.875%
HK$142,402
−HK$4,365/mo
Today · 4.125%
HK$146,767
baseline
▲ 0.50% · 4.625%
HK$155,697
+HK$8,930/mo
Deposit HK$3.36M · loan HK$30.28M · min. income ≈ HK$293,534/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$1,430,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,642
−HK$8,301/mo
▼ 0.25% · 3.875%
HK$157,762
−HK$4,181/mo
Today · 4.125%
HK$161,943
baseline
▲ 0.50% · 4.625%
HK$170,479
+HK$8,536/mo
Deposit HK$3.36M · loan HK$30.28M · min. income ≈ HK$323,886/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$1,430,033 · Scale 2, in force from 26 Feb 2026)