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$76,759
−HK$4,814/mo
▼ 0.25% · 3.875%
HK$79,147
−HK$2,426/mo
Today · 4.125%
HK$81,573
baseline
▲ 0.50% · 4.625%
HK$86,536
+HK$4,963/mo
Deposit HK$16.83M · loan HK$16.83M · min. income ≈ HK$163,146/mo (50% DSR)
Upfront cash ≈ HK$18.26M (deposit + AVD stamp duty HK$1,430,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,394
−HK$4,613/mo
▼ 0.25% · 3.875%
HK$87,684
−HK$2,323/mo
Today · 4.125%
HK$90,007
baseline
▲ 0.50% · 4.625%
HK$94,752
+HK$4,745/mo
Deposit HK$16.83M · loan HK$16.83M · min. income ≈ HK$180,014/mo (50% DSR)
Upfront cash ≈ HK$18.26M (deposit + AVD stamp duty HK$1,430,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,111
−HK$5,776/mo
▼ 0.25% · 3.875%
HK$94,976
−HK$2,911/mo
Today · 4.125%
HK$97,887
baseline
▲ 0.50% · 4.625%
HK$103,843
+HK$5,956/mo
Deposit HK$13.47M · loan HK$20.20M · min. income ≈ HK$195,774/mo (50% DSR)
Upfront cash ≈ HK$14.90M (deposit + AVD stamp duty HK$1,430,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,473
−HK$5,536/mo
▼ 0.25% · 3.875%
HK$105,221
−HK$2,788/mo
Today · 4.125%
HK$108,009
baseline
▲ 0.50% · 4.625%
HK$113,702
+HK$5,693/mo
Deposit HK$13.47M · loan HK$20.20M · min. income ≈ HK$216,018/mo (50% DSR)
Upfront cash ≈ HK$14.90M (deposit + AVD stamp duty HK$1,430,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,463
−HK$6,739/mo
▼ 0.25% · 3.875%
HK$110,806
−HK$3,396/mo
Today · 4.125%
HK$114,202
baseline
▲ 0.50% · 4.625%
HK$121,151
+HK$6,949/mo
Deposit HK$10.10M · loan HK$23.56M · min. income ≈ HK$228,404/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$1,430,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,551
−HK$6,459/mo
▼ 0.25% · 3.875%
HK$122,758
−HK$3,252/mo
Today · 4.125%
HK$126,010
baseline
▲ 0.50% · 4.625%
HK$132,652
+HK$6,642/mo
Deposit HK$10.10M · loan HK$23.56M · min. income ≈ HK$252,020/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$1,430,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,166
−HK$8,665/mo
▼ 0.25% · 3.875%
HK$142,464
−HK$4,367/mo
Today · 4.125%
HK$146,831
baseline
▲ 0.50% · 4.625%
HK$155,765
+HK$8,934/mo
Deposit HK$3.37M · loan HK$30.30M · min. income ≈ HK$293,662/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$1,430,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,709
−HK$8,304/mo
▼ 0.25% · 3.875%
HK$157,831
−HK$4,182/mo
Today · 4.125%
HK$162,013
baseline
▲ 0.50% · 4.625%
HK$170,553
+HK$8,540/mo
Deposit HK$3.37M · loan HK$30.30M · min. income ≈ HK$324,026/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$1,430,657 · Scale 2, in force from 26 Feb 2026)