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$76,871
−HK$4,820/mo
▼ 0.25% · 3.875%
HK$79,262
−HK$2,429/mo
Today · 4.125%
HK$81,691
baseline
▲ 0.50% · 4.625%
HK$86,662
+HK$4,971/mo
Deposit HK$16.86M · loan HK$16.86M · min. income ≈ HK$163,382/mo (50% DSR)
Upfront cash ≈ HK$18.29M (deposit + AVD stamp duty HK$1,432,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,518
−HK$4,620/mo
▼ 0.25% · 3.875%
HK$87,811
−HK$2,327/mo
Today · 4.125%
HK$90,138
baseline
▲ 0.50% · 4.625%
HK$94,890
+HK$4,752/mo
Deposit HK$16.86M · loan HK$16.86M · min. income ≈ HK$180,276/mo (50% DSR)
Upfront cash ≈ HK$18.29M (deposit + AVD stamp duty HK$1,432,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,245
−HK$5,784/mo
▼ 0.25% · 3.875%
HK$95,114
−HK$2,915/mo
Today · 4.125%
HK$98,029
baseline
▲ 0.50% · 4.625%
HK$103,994
+HK$5,965/mo
Deposit HK$13.48M · loan HK$20.23M · min. income ≈ HK$196,058/mo (50% DSR)
Upfront cash ≈ HK$14.92M (deposit + AVD stamp duty HK$1,432,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,622
−HK$5,544/mo
▼ 0.25% · 3.875%
HK$105,374
−HK$2,792/mo
Today · 4.125%
HK$108,166
baseline
▲ 0.50% · 4.625%
HK$113,867
+HK$5,701/mo
Deposit HK$13.48M · loan HK$20.23M · min. income ≈ HK$216,332/mo (50% DSR)
Upfront cash ≈ HK$14.92M (deposit + AVD stamp duty HK$1,432,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,619
−HK$6,749/mo
▼ 0.25% · 3.875%
HK$110,967
−HK$3,401/mo
Today · 4.125%
HK$114,368
baseline
▲ 0.50% · 4.625%
HK$121,327
+HK$6,959/mo
Deposit HK$10.11M · loan HK$23.60M · min. income ≈ HK$228,736/mo (50% DSR)
Upfront cash ≈ HK$11.55M (deposit + AVD stamp duty HK$1,432,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,725
−HK$6,468/mo
▼ 0.25% · 3.875%
HK$122,936
−HK$3,257/mo
Today · 4.125%
HK$126,193
baseline
▲ 0.50% · 4.625%
HK$132,845
+HK$6,652/mo
Deposit HK$10.11M · loan HK$23.60M · min. income ≈ HK$252,386/mo (50% DSR)
Upfront cash ≈ HK$11.55M (deposit + AVD stamp duty HK$1,432,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,367
−HK$8,677/mo
▼ 0.25% · 3.875%
HK$142,671
−HK$4,373/mo
Today · 4.125%
HK$147,044
baseline
▲ 0.50% · 4.625%
HK$155,991
+HK$8,947/mo
Deposit HK$3.37M · loan HK$30.34M · min. income ≈ HK$294,088/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$1,432,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,932
−HK$8,317/mo
▼ 0.25% · 3.875%
HK$158,061
−HK$4,188/mo
Today · 4.125%
HK$162,249
baseline
▲ 0.50% · 4.625%
HK$170,801
+HK$8,552/mo
Deposit HK$3.37M · loan HK$30.34M · min. income ≈ HK$324,498/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$1,432,737 · Scale 2, in force from 26 Feb 2026)