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$76,750
−HK$4,813/mo
▼ 0.25% · 3.875%
HK$79,137
−HK$2,426/mo
Today · 4.125%
HK$81,563
baseline
▲ 0.50% · 4.625%
HK$86,526
+HK$4,963/mo
Deposit HK$16.83M · loan HK$16.83M · min. income ≈ HK$163,126/mo (50% DSR)
Upfront cash ≈ HK$18.26M (deposit + AVD stamp duty HK$1,430,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,384
−HK$4,613/mo
▼ 0.25% · 3.875%
HK$87,674
−HK$2,323/mo
Today · 4.125%
HK$89,997
baseline
▲ 0.50% · 4.625%
HK$94,740
+HK$4,743/mo
Deposit HK$16.83M · loan HK$16.83M · min. income ≈ HK$179,994/mo (50% DSR)
Upfront cash ≈ HK$18.26M (deposit + AVD stamp duty HK$1,430,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,100
−HK$5,775/mo
▼ 0.25% · 3.875%
HK$94,965
−HK$2,910/mo
Today · 4.125%
HK$97,875
baseline
▲ 0.50% · 4.625%
HK$103,831
+HK$5,956/mo
Deposit HK$13.46M · loan HK$20.20M · min. income ≈ HK$195,750/mo (50% DSR)
Upfront cash ≈ HK$14.89M (deposit + AVD stamp duty HK$1,430,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,460
−HK$5,536/mo
▼ 0.25% · 3.875%
HK$105,208
−HK$2,788/mo
Today · 4.125%
HK$107,996
baseline
▲ 0.50% · 4.625%
HK$113,689
+HK$5,693/mo
Deposit HK$13.46M · loan HK$20.20M · min. income ≈ HK$215,992/mo (50% DSR)
Upfront cash ≈ HK$14.89M (deposit + AVD stamp duty HK$1,430,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,450
−HK$6,738/mo
▼ 0.25% · 3.875%
HK$110,792
−HK$3,396/mo
Today · 4.125%
HK$114,188
baseline
▲ 0.50% · 4.625%
HK$121,136
+HK$6,948/mo
Deposit HK$10.10M · loan HK$23.56M · min. income ≈ HK$228,376/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$1,430,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,537
−HK$6,458/mo
▼ 0.25% · 3.875%
HK$122,743
−HK$3,252/mo
Today · 4.125%
HK$125,995
baseline
▲ 0.50% · 4.625%
HK$132,637
+HK$6,642/mo
Deposit HK$10.10M · loan HK$23.56M · min. income ≈ HK$251,990/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$1,430,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,150
−HK$8,663/mo
▼ 0.25% · 3.875%
HK$142,447
−HK$4,366/mo
Today · 4.125%
HK$146,813
baseline
▲ 0.50% · 4.625%
HK$155,746
+HK$8,933/mo
Deposit HK$3.37M · loan HK$30.29M · min. income ≈ HK$293,626/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$1,430,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,690
−HK$8,304/mo
▼ 0.25% · 3.875%
HK$157,812
−HK$4,182/mo
Today · 4.125%
HK$161,994
baseline
▲ 0.50% · 4.625%
HK$170,533
+HK$8,539/mo
Deposit HK$3.37M · loan HK$30.29M · min. income ≈ HK$323,988/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$1,430,486 · Scale 2, in force from 26 Feb 2026)