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$76,841
−HK$4,819/mo
▼ 0.25% · 3.875%
HK$79,231
−HK$2,429/mo
Today · 4.125%
HK$81,660
baseline
▲ 0.50% · 4.625%
HK$86,629
+HK$4,969/mo
Deposit HK$16.85M · loan HK$16.85M · min. income ≈ HK$163,320/mo (50% DSR)
Upfront cash ≈ HK$18.28M (deposit + AVD stamp duty HK$1,432,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,485
−HK$4,618/mo
▼ 0.25% · 3.875%
HK$87,778
−HK$2,325/mo
Today · 4.125%
HK$90,103
baseline
▲ 0.50% · 4.625%
HK$94,853
+HK$4,750/mo
Deposit HK$16.85M · loan HK$16.85M · min. income ≈ HK$180,206/mo (50% DSR)
Upfront cash ≈ HK$18.28M (deposit + AVD stamp duty HK$1,432,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,209
−HK$5,783/mo
▼ 0.25% · 3.875%
HK$95,078
−HK$2,914/mo
Today · 4.125%
HK$97,992
baseline
▲ 0.50% · 4.625%
HK$103,954
+HK$5,962/mo
Deposit HK$13.48M · loan HK$20.22M · min. income ≈ HK$195,984/mo (50% DSR)
Upfront cash ≈ HK$14.91M (deposit + AVD stamp duty HK$1,432,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,582
−HK$5,542/mo
▼ 0.25% · 3.875%
HK$105,333
−HK$2,791/mo
Today · 4.125%
HK$108,124
baseline
▲ 0.50% · 4.625%
HK$113,824
+HK$5,700/mo
Deposit HK$13.48M · loan HK$20.22M · min. income ≈ HK$216,248/mo (50% DSR)
Upfront cash ≈ HK$14.91M (deposit + AVD stamp duty HK$1,432,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,578
−HK$6,746/mo
▼ 0.25% · 3.875%
HK$110,924
−HK$3,400/mo
Today · 4.125%
HK$114,324
baseline
▲ 0.50% · 4.625%
HK$121,280
+HK$6,956/mo
Deposit HK$10.11M · loan HK$23.59M · min. income ≈ HK$228,648/mo (50% DSR)
Upfront cash ≈ HK$11.54M (deposit + AVD stamp duty HK$1,432,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,679
−HK$6,466/mo
▼ 0.25% · 3.875%
HK$122,889
−HK$3,256/mo
Today · 4.125%
HK$126,145
baseline
▲ 0.50% · 4.625%
HK$132,794
+HK$6,649/mo
Deposit HK$10.11M · loan HK$23.59M · min. income ≈ HK$252,290/mo (50% DSR)
Upfront cash ≈ HK$11.54M (deposit + AVD stamp duty HK$1,432,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,314
−HK$8,674/mo
▼ 0.25% · 3.875%
HK$142,616
−HK$4,372/mo
Today · 4.125%
HK$146,988
baseline
▲ 0.50% · 4.625%
HK$155,931
+HK$8,943/mo
Deposit HK$3.37M · loan HK$30.33M · min. income ≈ HK$293,976/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$1,432,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,873
−HK$8,313/mo
▼ 0.25% · 3.875%
HK$158,000
−HK$4,186/mo
Today · 4.125%
HK$162,186
baseline
▲ 0.50% · 4.625%
HK$170,735
+HK$8,549/mo
Deposit HK$3.37M · loan HK$30.33M · min. income ≈ HK$324,372/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$1,432,185 · Scale 2, in force from 26 Feb 2026)