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$76,864
−HK$4,820/mo
▼ 0.25% · 3.875%
HK$79,255
−HK$2,429/mo
Today · 4.125%
HK$81,684
baseline
▲ 0.50% · 4.625%
HK$86,655
+HK$4,971/mo
Deposit HK$16.85M · loan HK$16.85M · min. income ≈ HK$163,368/mo (50% DSR)
Upfront cash ≈ HK$18.29M (deposit + AVD stamp duty HK$1,432,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,511
−HK$4,620/mo
▼ 0.25% · 3.875%
HK$87,804
−HK$2,327/mo
Today · 4.125%
HK$90,131
baseline
▲ 0.50% · 4.625%
HK$94,881
+HK$4,750/mo
Deposit HK$16.85M · loan HK$16.85M · min. income ≈ HK$180,262/mo (50% DSR)
Upfront cash ≈ HK$18.29M (deposit + AVD stamp duty HK$1,432,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,237
−HK$5,784/mo
▼ 0.25% · 3.875%
HK$95,106
−HK$2,915/mo
Today · 4.125%
HK$98,021
baseline
▲ 0.50% · 4.625%
HK$103,985
+HK$5,964/mo
Deposit HK$13.48M · loan HK$20.23M · min. income ≈ HK$196,042/mo (50% DSR)
Upfront cash ≈ HK$14.92M (deposit + AVD stamp duty HK$1,432,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,613
−HK$5,544/mo
▼ 0.25% · 3.875%
HK$105,365
−HK$2,792/mo
Today · 4.125%
HK$108,157
baseline
▲ 0.50% · 4.625%
HK$113,858
+HK$5,701/mo
Deposit HK$13.48M · loan HK$20.23M · min. income ≈ HK$216,314/mo (50% DSR)
Upfront cash ≈ HK$14.92M (deposit + AVD stamp duty HK$1,432,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,610
−HK$6,748/mo
▼ 0.25% · 3.875%
HK$110,957
−HK$3,401/mo
Today · 4.125%
HK$114,358
baseline
▲ 0.50% · 4.625%
HK$121,316
+HK$6,958/mo
Deposit HK$10.11M · loan HK$23.60M · min. income ≈ HK$228,716/mo (50% DSR)
Upfront cash ≈ HK$11.55M (deposit + AVD stamp duty HK$1,432,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,715
−HK$6,468/mo
▼ 0.25% · 3.875%
HK$122,926
−HK$3,257/mo
Today · 4.125%
HK$126,183
baseline
▲ 0.50% · 4.625%
HK$132,834
+HK$6,651/mo
Deposit HK$10.11M · loan HK$23.60M · min. income ≈ HK$252,366/mo (50% DSR)
Upfront cash ≈ HK$11.55M (deposit + AVD stamp duty HK$1,432,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,356
−HK$8,676/mo
▼ 0.25% · 3.875%
HK$142,659
−HK$4,373/mo
Today · 4.125%
HK$147,032
baseline
▲ 0.50% · 4.625%
HK$155,978
+HK$8,946/mo
Deposit HK$3.37M · loan HK$30.34M · min. income ≈ HK$294,064/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$1,432,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,919
−HK$8,316/mo
▼ 0.25% · 3.875%
HK$158,047
−HK$4,188/mo
Today · 4.125%
HK$162,235
baseline
▲ 0.50% · 4.625%
HK$170,787
+HK$8,552/mo
Deposit HK$3.37M · loan HK$30.34M · min. income ≈ HK$324,470/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$1,432,615 · Scale 2, in force from 26 Feb 2026)