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$76,863
−HK$4,820/mo
▼ 0.25% · 3.875%
HK$79,254
−HK$2,429/mo
Today · 4.125%
HK$81,683
baseline
▲ 0.50% · 4.625%
HK$86,653
+HK$4,970/mo
Deposit HK$16.85M · loan HK$16.85M · min. income ≈ HK$163,366/mo (50% DSR)
Upfront cash ≈ HK$18.29M (deposit + AVD stamp duty HK$1,432,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,509
−HK$4,620/mo
▼ 0.25% · 3.875%
HK$87,803
−HK$2,326/mo
Today · 4.125%
HK$90,129
baseline
▲ 0.50% · 4.625%
HK$94,880
+HK$4,751/mo
Deposit HK$16.85M · loan HK$16.85M · min. income ≈ HK$180,258/mo (50% DSR)
Upfront cash ≈ HK$18.29M (deposit + AVD stamp duty HK$1,432,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,236
−HK$5,784/mo
▼ 0.25% · 3.875%
HK$95,105
−HK$2,915/mo
Today · 4.125%
HK$98,020
baseline
▲ 0.50% · 4.625%
HK$103,984
+HK$5,964/mo
Deposit HK$13.48M · loan HK$20.22M · min. income ≈ HK$196,040/mo (50% DSR)
Upfront cash ≈ HK$14.92M (deposit + AVD stamp duty HK$1,432,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,611
−HK$5,544/mo
▼ 0.25% · 3.875%
HK$105,363
−HK$2,792/mo
Today · 4.125%
HK$108,155
baseline
▲ 0.50% · 4.625%
HK$113,856
+HK$5,701/mo
Deposit HK$13.48M · loan HK$20.22M · min. income ≈ HK$216,310/mo (50% DSR)
Upfront cash ≈ HK$14.92M (deposit + AVD stamp duty HK$1,432,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,608
−HK$6,748/mo
▼ 0.25% · 3.875%
HK$110,955
−HK$3,401/mo
Today · 4.125%
HK$114,356
baseline
▲ 0.50% · 4.625%
HK$121,314
+HK$6,958/mo
Deposit HK$10.11M · loan HK$23.60M · min. income ≈ HK$228,712/mo (50% DSR)
Upfront cash ≈ HK$11.55M (deposit + AVD stamp duty HK$1,432,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,713
−HK$6,468/mo
▼ 0.25% · 3.875%
HK$122,924
−HK$3,257/mo
Today · 4.125%
HK$126,181
baseline
▲ 0.50% · 4.625%
HK$132,832
+HK$6,651/mo
Deposit HK$10.11M · loan HK$23.60M · min. income ≈ HK$252,362/mo (50% DSR)
Upfront cash ≈ HK$11.55M (deposit + AVD stamp duty HK$1,432,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,353
−HK$8,676/mo
▼ 0.25% · 3.875%
HK$142,657
−HK$4,372/mo
Today · 4.125%
HK$147,029
baseline
▲ 0.50% · 4.625%
HK$155,976
+HK$8,947/mo
Deposit HK$3.37M · loan HK$30.34M · min. income ≈ HK$294,058/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$1,432,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,917
−HK$8,315/mo
▼ 0.25% · 3.875%
HK$158,045
−HK$4,187/mo
Today · 4.125%
HK$162,232
baseline
▲ 0.50% · 4.625%
HK$170,784
+HK$8,552/mo
Deposit HK$3.37M · loan HK$30.34M · min. income ≈ HK$324,464/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$1,432,592 · Scale 2, in force from 26 Feb 2026)