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$76,763
−HK$4,814/mo
▼ 0.25% · 3.875%
HK$79,151
−HK$2,426/mo
Today · 4.125%
HK$81,577
baseline
▲ 0.50% · 4.625%
HK$86,540
+HK$4,963/mo
Deposit HK$16.83M · loan HK$16.83M · min. income ≈ HK$163,154/mo (50% DSR)
Upfront cash ≈ HK$18.26M (deposit + AVD stamp duty HK$1,430,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,398
−HK$4,614/mo
▼ 0.25% · 3.875%
HK$87,688
−HK$2,324/mo
Today · 4.125%
HK$90,012
baseline
▲ 0.50% · 4.625%
HK$94,756
+HK$4,744/mo
Deposit HK$16.83M · loan HK$16.83M · min. income ≈ HK$180,024/mo (50% DSR)
Upfront cash ≈ HK$18.26M (deposit + AVD stamp duty HK$1,430,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,116
−HK$5,776/mo
▼ 0.25% · 3.875%
HK$94,981
−HK$2,911/mo
Today · 4.125%
HK$97,892
baseline
▲ 0.50% · 4.625%
HK$103,848
+HK$5,956/mo
Deposit HK$13.47M · loan HK$20.20M · min. income ≈ HK$195,784/mo (50% DSR)
Upfront cash ≈ HK$14.90M (deposit + AVD stamp duty HK$1,430,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,478
−HK$5,536/mo
▼ 0.25% · 3.875%
HK$105,226
−HK$2,788/mo
Today · 4.125%
HK$108,014
baseline
▲ 0.50% · 4.625%
HK$113,708
+HK$5,694/mo
Deposit HK$13.47M · loan HK$20.20M · min. income ≈ HK$216,028/mo (50% DSR)
Upfront cash ≈ HK$14.90M (deposit + AVD stamp duty HK$1,430,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,468
−HK$6,739/mo
▼ 0.25% · 3.875%
HK$110,811
−HK$3,396/mo
Today · 4.125%
HK$114,207
baseline
▲ 0.50% · 4.625%
HK$121,157
+HK$6,950/mo
Deposit HK$10.10M · loan HK$23.56M · min. income ≈ HK$228,414/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$1,430,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,557
−HK$6,459/mo
▼ 0.25% · 3.875%
HK$122,764
−HK$3,252/mo
Today · 4.125%
HK$126,016
baseline
▲ 0.50% · 4.625%
HK$132,659
+HK$6,643/mo
Deposit HK$10.10M · loan HK$23.56M · min. income ≈ HK$252,032/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$1,430,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,173
−HK$8,665/mo
▼ 0.25% · 3.875%
HK$142,471
−HK$4,367/mo
Today · 4.125%
HK$146,838
baseline
▲ 0.50% · 4.625%
HK$155,773
+HK$8,935/mo
Deposit HK$3.37M · loan HK$30.30M · min. income ≈ HK$293,676/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$1,430,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,716
−HK$8,305/mo
▼ 0.25% · 3.875%
HK$157,839
−HK$4,182/mo
Today · 4.125%
HK$162,021
baseline
▲ 0.50% · 4.625%
HK$170,562
+HK$8,541/mo
Deposit HK$3.37M · loan HK$30.30M · min. income ≈ HK$324,042/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$1,430,727 · Scale 2, in force from 26 Feb 2026)