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$76,853
−HK$4,820/mo
▼ 0.25% · 3.875%
HK$79,244
−HK$2,429/mo
Today · 4.125%
HK$81,673
baseline
▲ 0.50% · 4.625%
HK$86,642
+HK$4,969/mo
Deposit HK$16.85M · loan HK$16.85M · min. income ≈ HK$163,346/mo (50% DSR)
Upfront cash ≈ HK$18.28M (deposit + AVD stamp duty HK$1,432,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,499
−HK$4,619/mo
▼ 0.25% · 3.875%
HK$87,792
−HK$2,326/mo
Today · 4.125%
HK$90,118
baseline
▲ 0.50% · 4.625%
HK$94,868
+HK$4,750/mo
Deposit HK$16.85M · loan HK$16.85M · min. income ≈ HK$180,236/mo (50% DSR)
Upfront cash ≈ HK$18.28M (deposit + AVD stamp duty HK$1,432,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,224
−HK$5,783/mo
▼ 0.25% · 3.875%
HK$95,093
−HK$2,914/mo
Today · 4.125%
HK$98,007
baseline
▲ 0.50% · 4.625%
HK$103,971
+HK$5,964/mo
Deposit HK$13.48M · loan HK$20.22M · min. income ≈ HK$196,014/mo (50% DSR)
Upfront cash ≈ HK$14.91M (deposit + AVD stamp duty HK$1,432,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,598
−HK$5,543/mo
▼ 0.25% · 3.875%
HK$105,350
−HK$2,791/mo
Today · 4.125%
HK$108,141
baseline
▲ 0.50% · 4.625%
HK$113,842
+HK$5,701/mo
Deposit HK$13.48M · loan HK$20.22M · min. income ≈ HK$216,282/mo (50% DSR)
Upfront cash ≈ HK$14.91M (deposit + AVD stamp duty HK$1,432,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,595
−HK$6,747/mo
▼ 0.25% · 3.875%
HK$110,941
−HK$3,401/mo
Today · 4.125%
HK$114,342
baseline
▲ 0.50% · 4.625%
HK$121,299
+HK$6,957/mo
Deposit HK$10.11M · loan HK$23.59M · min. income ≈ HK$228,684/mo (50% DSR)
Upfront cash ≈ HK$11.54M (deposit + AVD stamp duty HK$1,432,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,698
−HK$6,467/mo
▼ 0.25% · 3.875%
HK$122,908
−HK$3,257/mo
Today · 4.125%
HK$126,165
baseline
▲ 0.50% · 4.625%
HK$132,815
+HK$6,650/mo
Deposit HK$10.11M · loan HK$23.59M · min. income ≈ HK$252,330/mo (50% DSR)
Upfront cash ≈ HK$11.54M (deposit + AVD stamp duty HK$1,432,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,336
−HK$8,675/mo
▼ 0.25% · 3.875%
HK$142,639
−HK$4,372/mo
Today · 4.125%
HK$147,011
baseline
▲ 0.50% · 4.625%
HK$155,956
+HK$8,945/mo
Deposit HK$3.37M · loan HK$30.33M · min. income ≈ HK$294,022/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$1,432,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,897
−HK$8,315/mo
▼ 0.25% · 3.875%
HK$158,025
−HK$4,187/mo
Today · 4.125%
HK$162,212
baseline
▲ 0.50% · 4.625%
HK$170,762
+HK$8,550/mo
Deposit HK$3.37M · loan HK$30.33M · min. income ≈ HK$324,424/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$1,432,413 · Scale 2, in force from 26 Feb 2026)