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$76,886
−HK$4,821/mo
▼ 0.25% · 3.875%
HK$79,277
−HK$2,430/mo
Today · 4.125%
HK$81,707
baseline
▲ 0.50% · 4.625%
HK$86,679
+HK$4,972/mo
Deposit HK$16.86M · loan HK$16.86M · min. income ≈ HK$163,414/mo (50% DSR)
Upfront cash ≈ HK$18.29M (deposit + AVD stamp duty HK$1,433,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,535
−HK$4,621/mo
▼ 0.25% · 3.875%
HK$87,829
−HK$2,327/mo
Today · 4.125%
HK$90,156
baseline
▲ 0.50% · 4.625%
HK$94,908
+HK$4,752/mo
Deposit HK$16.86M · loan HK$16.86M · min. income ≈ HK$180,312/mo (50% DSR)
Upfront cash ≈ HK$18.29M (deposit + AVD stamp duty HK$1,433,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,263
−HK$5,786/mo
▼ 0.25% · 3.875%
HK$95,133
−HK$2,916/mo
Today · 4.125%
HK$98,049
baseline
▲ 0.50% · 4.625%
HK$104,015
+HK$5,966/mo
Deposit HK$13.49M · loan HK$20.23M · min. income ≈ HK$196,098/mo (50% DSR)
Upfront cash ≈ HK$14.92M (deposit + AVD stamp duty HK$1,433,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,642
−HK$5,545/mo
▼ 0.25% · 3.875%
HK$105,394
−HK$2,793/mo
Today · 4.125%
HK$108,187
baseline
▲ 0.50% · 4.625%
HK$113,890
+HK$5,703/mo
Deposit HK$13.49M · loan HK$20.23M · min. income ≈ HK$216,374/mo (50% DSR)
Upfront cash ≈ HK$14.92M (deposit + AVD stamp duty HK$1,433,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,640
−HK$6,750/mo
▼ 0.25% · 3.875%
HK$110,988
−HK$3,402/mo
Today · 4.125%
HK$114,390
baseline
▲ 0.50% · 4.625%
HK$121,350
+HK$6,960/mo
Deposit HK$10.12M · loan HK$23.60M · min. income ≈ HK$228,780/mo (50% DSR)
Upfront cash ≈ HK$11.55M (deposit + AVD stamp duty HK$1,433,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,749
−HK$6,469/mo
▼ 0.25% · 3.875%
HK$122,960
−HK$3,258/mo
Today · 4.125%
HK$126,218
baseline
▲ 0.50% · 4.625%
HK$132,871
+HK$6,653/mo
Deposit HK$10.12M · loan HK$23.60M · min. income ≈ HK$252,436/mo (50% DSR)
Upfront cash ≈ HK$11.55M (deposit + AVD stamp duty HK$1,433,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,394
−HK$8,679/mo
▼ 0.25% · 3.875%
HK$142,699
−HK$4,374/mo
Today · 4.125%
HK$147,073
baseline
▲ 0.50% · 4.625%
HK$156,022
+HK$8,949/mo
Deposit HK$3.37M · loan HK$30.35M · min. income ≈ HK$294,146/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$1,433,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,962
−HK$8,319/mo
▼ 0.25% · 3.875%
HK$158,092
−HK$4,189/mo
Today · 4.125%
HK$162,281
baseline
▲ 0.50% · 4.625%
HK$170,835
+HK$8,554/mo
Deposit HK$3.37M · loan HK$30.35M · min. income ≈ HK$324,562/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$1,433,017 · Scale 2, in force from 26 Feb 2026)