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$76,836
−HK$4,819/mo
▼ 0.25% · 3.875%
HK$79,226
−HK$2,429/mo
Today · 4.125%
HK$81,655
baseline
▲ 0.50% · 4.625%
HK$86,623
+HK$4,968/mo
Deposit HK$16.85M · loan HK$16.85M · min. income ≈ HK$163,310/mo (50% DSR)
Upfront cash ≈ HK$18.28M (deposit + AVD stamp duty HK$1,432,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,480
−HK$4,618/mo
▼ 0.25% · 3.875%
HK$87,772
−HK$2,326/mo
Today · 4.125%
HK$90,098
baseline
▲ 0.50% · 4.625%
HK$94,847
+HK$4,749/mo
Deposit HK$16.85M · loan HK$16.85M · min. income ≈ HK$180,196/mo (50% DSR)
Upfront cash ≈ HK$18.28M (deposit + AVD stamp duty HK$1,432,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,204
−HK$5,781/mo
▼ 0.25% · 3.875%
HK$95,072
−HK$2,913/mo
Today · 4.125%
HK$97,985
baseline
▲ 0.50% · 4.625%
HK$103,948
+HK$5,963/mo
Deposit HK$13.48M · loan HK$20.22M · min. income ≈ HK$195,970/mo (50% DSR)
Upfront cash ≈ HK$14.91M (deposit + AVD stamp duty HK$1,432,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,575
−HK$5,542/mo
▼ 0.25% · 3.875%
HK$105,326
−HK$2,791/mo
Today · 4.125%
HK$108,117
baseline
▲ 0.50% · 4.625%
HK$113,816
+HK$5,699/mo
Deposit HK$13.48M · loan HK$20.22M · min. income ≈ HK$216,234/mo (50% DSR)
Upfront cash ≈ HK$14.91M (deposit + AVD stamp duty HK$1,432,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,571
−HK$6,745/mo
▼ 0.25% · 3.875%
HK$110,917
−HK$3,399/mo
Today · 4.125%
HK$114,316
baseline
▲ 0.50% · 4.625%
HK$121,272
+HK$6,956/mo
Deposit HK$10.11M · loan HK$23.59M · min. income ≈ HK$228,632/mo (50% DSR)
Upfront cash ≈ HK$11.54M (deposit + AVD stamp duty HK$1,432,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,671
−HK$6,466/mo
▼ 0.25% · 3.875%
HK$122,881
−HK$3,256/mo
Today · 4.125%
HK$126,137
baseline
▲ 0.50% · 4.625%
HK$132,786
+HK$6,649/mo
Deposit HK$10.11M · loan HK$23.59M · min. income ≈ HK$252,274/mo (50% DSR)
Upfront cash ≈ HK$11.54M (deposit + AVD stamp duty HK$1,432,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,305
−HK$8,673/mo
▼ 0.25% · 3.875%
HK$142,607
−HK$4,371/mo
Today · 4.125%
HK$146,978
baseline
▲ 0.50% · 4.625%
HK$155,921
+HK$8,943/mo
Deposit HK$3.37M · loan HK$30.33M · min. income ≈ HK$293,956/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$1,432,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,863
−HK$8,313/mo
▼ 0.25% · 3.875%
HK$157,990
−HK$4,186/mo
Today · 4.125%
HK$162,176
baseline
▲ 0.50% · 4.625%
HK$170,724
+HK$8,548/mo
Deposit HK$3.37M · loan HK$30.33M · min. income ≈ HK$324,352/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$1,432,094 · Scale 2, in force from 26 Feb 2026)