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$76,856
−HK$4,820/mo
▼ 0.25% · 3.875%
HK$79,247
−HK$2,429/mo
Today · 4.125%
HK$81,676
baseline
▲ 0.50% · 4.625%
HK$86,645
+HK$4,969/mo
Deposit HK$16.85M · loan HK$16.85M · min. income ≈ HK$163,352/mo (50% DSR)
Upfront cash ≈ HK$18.28M (deposit + AVD stamp duty HK$1,432,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,502
−HK$4,619/mo
▼ 0.25% · 3.875%
HK$87,795
−HK$2,326/mo
Today · 4.125%
HK$90,121
baseline
▲ 0.50% · 4.625%
HK$94,871
+HK$4,750/mo
Deposit HK$16.85M · loan HK$16.85M · min. income ≈ HK$180,242/mo (50% DSR)
Upfront cash ≈ HK$18.28M (deposit + AVD stamp duty HK$1,432,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,227
−HK$5,784/mo
▼ 0.25% · 3.875%
HK$95,096
−HK$2,915/mo
Today · 4.125%
HK$98,011
baseline
▲ 0.50% · 4.625%
HK$103,974
+HK$5,963/mo
Deposit HK$13.48M · loan HK$20.22M · min. income ≈ HK$196,022/mo (50% DSR)
Upfront cash ≈ HK$14.91M (deposit + AVD stamp duty HK$1,432,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,602
−HK$5,543/mo
▼ 0.25% · 3.875%
HK$105,354
−HK$2,791/mo
Today · 4.125%
HK$108,145
baseline
▲ 0.50% · 4.625%
HK$113,846
+HK$5,701/mo
Deposit HK$13.48M · loan HK$20.22M · min. income ≈ HK$216,290/mo (50% DSR)
Upfront cash ≈ HK$14.91M (deposit + AVD stamp duty HK$1,432,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,598
−HK$6,748/mo
▼ 0.25% · 3.875%
HK$110,945
−HK$3,401/mo
Today · 4.125%
HK$114,346
baseline
▲ 0.50% · 4.625%
HK$121,303
+HK$6,957/mo
Deposit HK$10.11M · loan HK$23.59M · min. income ≈ HK$228,692/mo (50% DSR)
Upfront cash ≈ HK$11.54M (deposit + AVD stamp duty HK$1,432,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,702
−HK$6,467/mo
▼ 0.25% · 3.875%
HK$122,913
−HK$3,256/mo
Today · 4.125%
HK$126,169
baseline
▲ 0.50% · 4.625%
HK$132,820
+HK$6,651/mo
Deposit HK$10.11M · loan HK$23.59M · min. income ≈ HK$252,338/mo (50% DSR)
Upfront cash ≈ HK$11.54M (deposit + AVD stamp duty HK$1,432,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,341
−HK$8,675/mo
▼ 0.25% · 3.875%
HK$142,644
−HK$4,372/mo
Today · 4.125%
HK$147,016
baseline
▲ 0.50% · 4.625%
HK$155,962
+HK$8,946/mo
Deposit HK$3.37M · loan HK$30.33M · min. income ≈ HK$294,032/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$1,432,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,903
−HK$8,315/mo
▼ 0.25% · 3.875%
HK$158,030
−HK$4,188/mo
Today · 4.125%
HK$162,218
baseline
▲ 0.50% · 4.625%
HK$170,768
+HK$8,550/mo
Deposit HK$3.37M · loan HK$30.33M · min. income ≈ HK$324,436/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$1,432,462 · Scale 2, in force from 26 Feb 2026)