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$76,852
−HK$4,819/mo
▼ 0.25% · 3.875%
HK$79,243
−HK$2,428/mo
Today · 4.125%
HK$81,671
baseline
▲ 0.50% · 4.625%
HK$86,641
+HK$4,970/mo
Deposit HK$16.85M · loan HK$16.85M · min. income ≈ HK$163,342/mo (50% DSR)
Upfront cash ≈ HK$18.28M (deposit + AVD stamp duty HK$1,432,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,497
−HK$4,619/mo
▼ 0.25% · 3.875%
HK$87,790
−HK$2,326/mo
Today · 4.125%
HK$90,116
baseline
▲ 0.50% · 4.625%
HK$94,866
+HK$4,750/mo
Deposit HK$16.85M · loan HK$16.85M · min. income ≈ HK$180,232/mo (50% DSR)
Upfront cash ≈ HK$18.28M (deposit + AVD stamp duty HK$1,432,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,222
−HK$5,784/mo
▼ 0.25% · 3.875%
HK$95,091
−HK$2,915/mo
Today · 4.125%
HK$98,006
baseline
▲ 0.50% · 4.625%
HK$103,969
+HK$5,963/mo
Deposit HK$13.48M · loan HK$20.22M · min. income ≈ HK$196,012/mo (50% DSR)
Upfront cash ≈ HK$14.91M (deposit + AVD stamp duty HK$1,432,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,597
−HK$5,543/mo
▼ 0.25% · 3.875%
HK$105,348
−HK$2,792/mo
Today · 4.125%
HK$108,140
baseline
▲ 0.50% · 4.625%
HK$113,840
+HK$5,700/mo
Deposit HK$13.48M · loan HK$20.22M · min. income ≈ HK$216,280/mo (50% DSR)
Upfront cash ≈ HK$14.91M (deposit + AVD stamp duty HK$1,432,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,593
−HK$6,747/mo
▼ 0.25% · 3.875%
HK$110,940
−HK$3,400/mo
Today · 4.125%
HK$114,340
baseline
▲ 0.50% · 4.625%
HK$121,297
+HK$6,957/mo
Deposit HK$10.11M · loan HK$23.59M · min. income ≈ HK$228,680/mo (50% DSR)
Upfront cash ≈ HK$11.54M (deposit + AVD stamp duty HK$1,432,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,696
−HK$6,467/mo
▼ 0.25% · 3.875%
HK$122,906
−HK$3,257/mo
Today · 4.125%
HK$126,163
baseline
▲ 0.50% · 4.625%
HK$132,813
+HK$6,650/mo
Deposit HK$10.11M · loan HK$23.59M · min. income ≈ HK$252,326/mo (50% DSR)
Upfront cash ≈ HK$11.54M (deposit + AVD stamp duty HK$1,432,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,334
−HK$8,674/mo
▼ 0.25% · 3.875%
HK$142,637
−HK$4,371/mo
Today · 4.125%
HK$147,008
baseline
▲ 0.50% · 4.625%
HK$155,954
+HK$8,946/mo
Deposit HK$3.37M · loan HK$30.33M · min. income ≈ HK$294,016/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$1,432,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,895
−HK$8,314/mo
▼ 0.25% · 3.875%
HK$158,022
−HK$4,187/mo
Today · 4.125%
HK$162,209
baseline
▲ 0.50% · 4.625%
HK$170,760
+HK$8,551/mo
Deposit HK$3.37M · loan HK$30.33M · min. income ≈ HK$324,418/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$1,432,389 · Scale 2, in force from 26 Feb 2026)