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$76,926
−HK$4,824/mo
▼ 0.25% · 3.875%
HK$79,319
−HK$2,431/mo
Today · 4.125%
HK$81,750
baseline
▲ 0.50% · 4.625%
HK$86,725
+HK$4,975/mo
Deposit HK$16.87M · loan HK$16.87M · min. income ≈ HK$163,500/mo (50% DSR)
Upfront cash ≈ HK$18.30M (deposit + AVD stamp duty HK$1,433,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,580
−HK$4,623/mo
▼ 0.25% · 3.875%
HK$87,875
−HK$2,328/mo
Today · 4.125%
HK$90,203
baseline
▲ 0.50% · 4.625%
HK$94,958
+HK$4,755/mo
Deposit HK$16.87M · loan HK$16.87M · min. income ≈ HK$180,406/mo (50% DSR)
Upfront cash ≈ HK$18.30M (deposit + AVD stamp duty HK$1,433,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,312
−HK$5,788/mo
▼ 0.25% · 3.875%
HK$95,183
−HK$2,917/mo
Today · 4.125%
HK$98,100
baseline
▲ 0.50% · 4.625%
HK$104,070
+HK$5,970/mo
Deposit HK$13.49M · loan HK$20.24M · min. income ≈ HK$196,200/mo (50% DSR)
Upfront cash ≈ HK$14.93M (deposit + AVD stamp duty HK$1,433,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,696
−HK$5,548/mo
▼ 0.25% · 3.875%
HK$105,450
−HK$2,794/mo
Today · 4.125%
HK$108,244
baseline
▲ 0.50% · 4.625%
HK$113,950
+HK$5,706/mo
Deposit HK$13.49M · loan HK$20.24M · min. income ≈ HK$216,488/mo (50% DSR)
Upfront cash ≈ HK$14.93M (deposit + AVD stamp duty HK$1,433,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,697
−HK$6,754/mo
▼ 0.25% · 3.875%
HK$111,047
−HK$3,404/mo
Today · 4.125%
HK$114,451
baseline
▲ 0.50% · 4.625%
HK$121,415
+HK$6,964/mo
Deposit HK$10.12M · loan HK$23.62M · min. income ≈ HK$228,902/mo (50% DSR)
Upfront cash ≈ HK$11.55M (deposit + AVD stamp duty HK$1,433,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,812
−HK$6,473/mo
▼ 0.25% · 3.875%
HK$123,025
−HK$3,260/mo
Today · 4.125%
HK$126,285
baseline
▲ 0.50% · 4.625%
HK$132,941
+HK$6,656/mo
Deposit HK$10.12M · loan HK$23.62M · min. income ≈ HK$252,570/mo (50% DSR)
Upfront cash ≈ HK$11.55M (deposit + AVD stamp duty HK$1,433,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,468
−HK$8,683/mo
▼ 0.25% · 3.875%
HK$142,775
−HK$4,376/mo
Today · 4.125%
HK$147,151
baseline
▲ 0.50% · 4.625%
HK$156,104
+HK$8,953/mo
Deposit HK$3.37M · loan HK$30.36M · min. income ≈ HK$294,302/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$1,433,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,044
−HK$8,322/mo
▼ 0.25% · 3.875%
HK$158,175
−HK$4,191/mo
Today · 4.125%
HK$162,366
baseline
▲ 0.50% · 4.625%
HK$170,925
+HK$8,559/mo
Deposit HK$3.37M · loan HK$30.36M · min. income ≈ HK$324,732/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$1,433,774 · Scale 2, in force from 26 Feb 2026)