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$76,708
−HK$4,811/mo
▼ 0.25% · 3.875%
HK$79,094
−HK$2,425/mo
Today · 4.125%
HK$81,519
baseline
▲ 0.50% · 4.625%
HK$86,479
+HK$4,960/mo
Deposit HK$16.82M · loan HK$16.82M · min. income ≈ HK$163,038/mo (50% DSR)
Upfront cash ≈ HK$18.25M (deposit + AVD stamp duty HK$1,429,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,337
−HK$4,611/mo
▼ 0.25% · 3.875%
HK$87,626
−HK$2,322/mo
Today · 4.125%
HK$89,948
baseline
▲ 0.50% · 4.625%
HK$94,689
+HK$4,741/mo
Deposit HK$16.82M · loan HK$16.82M · min. income ≈ HK$179,896/mo (50% DSR)
Upfront cash ≈ HK$18.25M (deposit + AVD stamp duty HK$1,429,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,050
−HK$5,772/mo
▼ 0.25% · 3.875%
HK$94,913
−HK$2,909/mo
Today · 4.125%
HK$97,822
baseline
▲ 0.50% · 4.625%
HK$103,775
+HK$5,953/mo
Deposit HK$13.46M · loan HK$20.18M · min. income ≈ HK$195,644/mo (50% DSR)
Upfront cash ≈ HK$14.89M (deposit + AVD stamp duty HK$1,429,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,405
−HK$5,532/mo
▼ 0.25% · 3.875%
HK$105,151
−HK$2,786/mo
Today · 4.125%
HK$107,937
baseline
▲ 0.50% · 4.625%
HK$113,627
+HK$5,690/mo
Deposit HK$13.46M · loan HK$20.18M · min. income ≈ HK$215,874/mo (50% DSR)
Upfront cash ≈ HK$14.89M (deposit + AVD stamp duty HK$1,429,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,392
−HK$6,734/mo
▼ 0.25% · 3.875%
HK$110,732
−HK$3,394/mo
Today · 4.125%
HK$114,126
baseline
▲ 0.50% · 4.625%
HK$121,070
+HK$6,944/mo
Deposit HK$10.09M · loan HK$23.55M · min. income ≈ HK$228,252/mo (50% DSR)
Upfront cash ≈ HK$11.52M (deposit + AVD stamp duty HK$1,429,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,472
−HK$6,455/mo
▼ 0.25% · 3.875%
HK$122,676
−HK$3,251/mo
Today · 4.125%
HK$125,927
baseline
▲ 0.50% · 4.625%
HK$132,565
+HK$6,638/mo
Deposit HK$10.09M · loan HK$23.55M · min. income ≈ HK$251,854/mo (50% DSR)
Upfront cash ≈ HK$11.52M (deposit + AVD stamp duty HK$1,429,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,075
−HK$8,659/mo
▼ 0.25% · 3.875%
HK$142,370
−HK$4,364/mo
Today · 4.125%
HK$146,734
baseline
▲ 0.50% · 4.625%
HK$155,662
+HK$8,928/mo
Deposit HK$3.36M · loan HK$30.28M · min. income ≈ HK$293,468/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$1,429,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,607
−HK$8,299/mo
▼ 0.25% · 3.875%
HK$157,727
−HK$4,179/mo
Today · 4.125%
HK$161,906
baseline
▲ 0.50% · 4.625%
HK$170,440
+HK$8,534/mo
Deposit HK$3.36M · loan HK$30.28M · min. income ≈ HK$323,812/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$1,429,710 · Scale 2, in force from 26 Feb 2026)