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$76,718
−HK$4,811/mo
▼ 0.25% · 3.875%
HK$79,105
−HK$2,424/mo
Today · 4.125%
HK$81,529
baseline
▲ 0.50% · 4.625%
HK$86,490
+HK$4,961/mo
Deposit HK$16.82M · loan HK$16.82M · min. income ≈ HK$163,058/mo (50% DSR)
Upfront cash ≈ HK$18.25M (deposit + AVD stamp duty HK$1,429,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,348
−HK$4,611/mo
▼ 0.25% · 3.875%
HK$87,637
−HK$2,322/mo
Today · 4.125%
HK$89,959
baseline
▲ 0.50% · 4.625%
HK$94,701
+HK$4,742/mo
Deposit HK$16.82M · loan HK$16.82M · min. income ≈ HK$179,918/mo (50% DSR)
Upfront cash ≈ HK$18.25M (deposit + AVD stamp duty HK$1,429,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,062
−HK$5,773/mo
▼ 0.25% · 3.875%
HK$94,925
−HK$2,910/mo
Today · 4.125%
HK$97,835
baseline
▲ 0.50% · 4.625%
HK$103,788
+HK$5,953/mo
Deposit HK$13.46M · loan HK$20.19M · min. income ≈ HK$195,670/mo (50% DSR)
Upfront cash ≈ HK$14.89M (deposit + AVD stamp duty HK$1,429,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,418
−HK$5,533/mo
▼ 0.25% · 3.875%
HK$105,165
−HK$2,786/mo
Today · 4.125%
HK$107,951
baseline
▲ 0.50% · 4.625%
HK$113,641
+HK$5,690/mo
Deposit HK$13.46M · loan HK$20.19M · min. income ≈ HK$215,902/mo (50% DSR)
Upfront cash ≈ HK$14.89M (deposit + AVD stamp duty HK$1,429,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,405
−HK$6,736/mo
▼ 0.25% · 3.875%
HK$110,746
−HK$3,395/mo
Today · 4.125%
HK$114,141
baseline
▲ 0.50% · 4.625%
HK$121,086
+HK$6,945/mo
Deposit HK$10.09M · loan HK$23.55M · min. income ≈ HK$228,282/mo (50% DSR)
Upfront cash ≈ HK$11.52M (deposit + AVD stamp duty HK$1,429,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,488
−HK$6,455/mo
▼ 0.25% · 3.875%
HK$122,692
−HK$3,251/mo
Today · 4.125%
HK$125,943
baseline
▲ 0.50% · 4.625%
HK$132,582
+HK$6,639/mo
Deposit HK$10.09M · loan HK$23.55M · min. income ≈ HK$251,886/mo (50% DSR)
Upfront cash ≈ HK$11.52M (deposit + AVD stamp duty HK$1,429,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,093
−HK$8,659/mo
▼ 0.25% · 3.875%
HK$142,388
−HK$4,364/mo
Today · 4.125%
HK$146,752
baseline
▲ 0.50% · 4.625%
HK$155,682
+HK$8,930/mo
Deposit HK$3.36M · loan HK$30.28M · min. income ≈ HK$293,504/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$1,429,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,627
−HK$8,300/mo
▼ 0.25% · 3.875%
HK$157,747
−HK$4,180/mo
Today · 4.125%
HK$161,927
baseline
▲ 0.50% · 4.625%
HK$170,462
+HK$8,535/mo
Deposit HK$3.36M · loan HK$30.28M · min. income ≈ HK$323,854/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$1,429,894 · Scale 2, in force from 26 Feb 2026)