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$76,826
−HK$4,817/mo
▼ 0.25% · 3.875%
HK$79,215
−HK$2,428/mo
Today · 4.125%
HK$81,643
baseline
▲ 0.50% · 4.625%
HK$86,611
+HK$4,968/mo
Deposit HK$16.85M · loan HK$16.85M · min. income ≈ HK$163,286/mo (50% DSR)
Upfront cash ≈ HK$18.28M (deposit + AVD stamp duty HK$1,431,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,468
−HK$4,617/mo
▼ 0.25% · 3.875%
HK$87,760
−HK$2,325/mo
Today · 4.125%
HK$90,085
baseline
▲ 0.50% · 4.625%
HK$94,834
+HK$4,749/mo
Deposit HK$16.85M · loan HK$16.85M · min. income ≈ HK$180,170/mo (50% DSR)
Upfront cash ≈ HK$18.28M (deposit + AVD stamp duty HK$1,431,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,191
−HK$5,781/mo
▼ 0.25% · 3.875%
HK$95,059
−HK$2,913/mo
Today · 4.125%
HK$97,972
baseline
▲ 0.50% · 4.625%
HK$103,933
+HK$5,961/mo
Deposit HK$13.48M · loan HK$20.22M · min. income ≈ HK$195,944/mo (50% DSR)
Upfront cash ≈ HK$14.91M (deposit + AVD stamp duty HK$1,431,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,561
−HK$5,542/mo
▼ 0.25% · 3.875%
HK$105,312
−HK$2,791/mo
Today · 4.125%
HK$108,103
baseline
▲ 0.50% · 4.625%
HK$113,801
+HK$5,698/mo
Deposit HK$13.48M · loan HK$20.22M · min. income ≈ HK$216,206/mo (50% DSR)
Upfront cash ≈ HK$14.91M (deposit + AVD stamp duty HK$1,431,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,556
−HK$6,745/mo
▼ 0.25% · 3.875%
HK$110,902
−HK$3,399/mo
Today · 4.125%
HK$114,301
baseline
▲ 0.50% · 4.625%
HK$121,256
+HK$6,955/mo
Deposit HK$10.11M · loan HK$23.58M · min. income ≈ HK$228,602/mo (50% DSR)
Upfront cash ≈ HK$11.54M (deposit + AVD stamp duty HK$1,431,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,655
−HK$6,465/mo
▼ 0.25% · 3.875%
HK$122,864
−HK$3,256/mo
Today · 4.125%
HK$126,120
baseline
▲ 0.50% · 4.625%
HK$132,768
+HK$6,648/mo
Deposit HK$10.11M · loan HK$23.58M · min. income ≈ HK$252,240/mo (50% DSR)
Upfront cash ≈ HK$11.54M (deposit + AVD stamp duty HK$1,431,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,286
−HK$8,672/mo
▼ 0.25% · 3.875%
HK$142,588
−HK$4,370/mo
Today · 4.125%
HK$146,958
baseline
▲ 0.50% · 4.625%
HK$155,900
+HK$8,942/mo
Deposit HK$3.37M · loan HK$30.32M · min. income ≈ HK$293,916/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$1,431,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,842
−HK$8,312/mo
▼ 0.25% · 3.875%
HK$157,968
−HK$4,186/mo
Today · 4.125%
HK$162,154
baseline
▲ 0.50% · 4.625%
HK$170,701
+HK$8,547/mo
Deposit HK$3.37M · loan HK$30.32M · min. income ≈ HK$324,308/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$1,431,899 · Scale 2, in force from 26 Feb 2026)