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$76,794
−HK$4,816/mo
▼ 0.25% · 3.875%
HK$79,183
−HK$2,427/mo
Today · 4.125%
HK$81,610
baseline
▲ 0.50% · 4.625%
HK$86,576
+HK$4,966/mo
Deposit HK$16.84M · loan HK$16.84M · min. income ≈ HK$163,220/mo (50% DSR)
Upfront cash ≈ HK$18.27M (deposit + AVD stamp duty HK$1,431,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,433
−HK$4,615/mo
▼ 0.25% · 3.875%
HK$87,724
−HK$2,324/mo
Today · 4.125%
HK$90,048
baseline
▲ 0.50% · 4.625%
HK$94,795
+HK$4,747/mo
Deposit HK$16.84M · loan HK$16.84M · min. income ≈ HK$180,096/mo (50% DSR)
Upfront cash ≈ HK$18.27M (deposit + AVD stamp duty HK$1,431,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,153
−HK$5,779/mo
▼ 0.25% · 3.875%
HK$95,019
−HK$2,913/mo
Today · 4.125%
HK$97,932
baseline
▲ 0.50% · 4.625%
HK$103,891
+HK$5,959/mo
Deposit HK$13.47M · loan HK$20.21M · min. income ≈ HK$195,864/mo (50% DSR)
Upfront cash ≈ HK$14.90M (deposit + AVD stamp duty HK$1,431,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,519
−HK$5,539/mo
▼ 0.25% · 3.875%
HK$105,269
−HK$2,789/mo
Today · 4.125%
HK$108,058
baseline
▲ 0.50% · 4.625%
HK$113,754
+HK$5,696/mo
Deposit HK$13.47M · loan HK$20.21M · min. income ≈ HK$216,116/mo (50% DSR)
Upfront cash ≈ HK$14.90M (deposit + AVD stamp duty HK$1,431,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,512
−HK$6,742/mo
▼ 0.25% · 3.875%
HK$110,856
−HK$3,398/mo
Today · 4.125%
HK$114,254
baseline
▲ 0.50% · 4.625%
HK$121,206
+HK$6,952/mo
Deposit HK$10.10M · loan HK$23.57M · min. income ≈ HK$228,508/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$1,431,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,606
−HK$6,462/mo
▼ 0.25% · 3.875%
HK$122,814
−HK$3,254/mo
Today · 4.125%
HK$126,068
baseline
▲ 0.50% · 4.625%
HK$132,713
+HK$6,645/mo
Deposit HK$10.10M · loan HK$23.57M · min. income ≈ HK$252,136/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$1,431,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,229
−HK$8,669/mo
▼ 0.25% · 3.875%
HK$142,529
−HK$4,369/mo
Today · 4.125%
HK$146,898
baseline
▲ 0.50% · 4.625%
HK$155,836
+HK$8,938/mo
Deposit HK$3.37M · loan HK$30.31M · min. income ≈ HK$293,796/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$1,431,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,779
−HK$8,308/mo
▼ 0.25% · 3.875%
HK$157,903
−HK$4,184/mo
Today · 4.125%
HK$162,087
baseline
▲ 0.50% · 4.625%
HK$170,631
+HK$8,544/mo
Deposit HK$3.37M · loan HK$30.31M · min. income ≈ HK$324,174/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$1,431,309 · Scale 2, in force from 26 Feb 2026)