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$76,865
−HK$4,820/mo
▼ 0.25% · 3.875%
HK$79,256
−HK$2,429/mo
Today · 4.125%
HK$81,685
baseline
▲ 0.50% · 4.625%
HK$86,656
+HK$4,971/mo
Deposit HK$16.85M · loan HK$16.85M · min. income ≈ HK$163,370/mo (50% DSR)
Upfront cash ≈ HK$18.29M (deposit + AVD stamp duty HK$1,432,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,512
−HK$4,620/mo
▼ 0.25% · 3.875%
HK$87,805
−HK$2,327/mo
Today · 4.125%
HK$90,132
baseline
▲ 0.50% · 4.625%
HK$94,882
+HK$4,750/mo
Deposit HK$16.85M · loan HK$16.85M · min. income ≈ HK$180,264/mo (50% DSR)
Upfront cash ≈ HK$18.29M (deposit + AVD stamp duty HK$1,432,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,238
−HK$5,784/mo
▼ 0.25% · 3.875%
HK$95,107
−HK$2,915/mo
Today · 4.125%
HK$98,022
baseline
▲ 0.50% · 4.625%
HK$103,987
+HK$5,965/mo
Deposit HK$13.48M · loan HK$20.23M · min. income ≈ HK$196,044/mo (50% DSR)
Upfront cash ≈ HK$14.92M (deposit + AVD stamp duty HK$1,432,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,614
−HK$5,544/mo
▼ 0.25% · 3.875%
HK$105,366
−HK$2,792/mo
Today · 4.125%
HK$108,158
baseline
▲ 0.50% · 4.625%
HK$113,859
+HK$5,701/mo
Deposit HK$13.48M · loan HK$20.23M · min. income ≈ HK$216,316/mo (50% DSR)
Upfront cash ≈ HK$14.92M (deposit + AVD stamp duty HK$1,432,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,611
−HK$6,748/mo
▼ 0.25% · 3.875%
HK$110,958
−HK$3,401/mo
Today · 4.125%
HK$114,359
baseline
▲ 0.50% · 4.625%
HK$121,318
+HK$6,959/mo
Deposit HK$10.11M · loan HK$23.60M · min. income ≈ HK$228,718/mo (50% DSR)
Upfront cash ≈ HK$11.55M (deposit + AVD stamp duty HK$1,432,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,716
−HK$6,468/mo
▼ 0.25% · 3.875%
HK$122,927
−HK$3,257/mo
Today · 4.125%
HK$126,184
baseline
▲ 0.50% · 4.625%
HK$132,835
+HK$6,651/mo
Deposit HK$10.11M · loan HK$23.60M · min. income ≈ HK$252,368/mo (50% DSR)
Upfront cash ≈ HK$11.55M (deposit + AVD stamp duty HK$1,432,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,357
−HK$8,676/mo
▼ 0.25% · 3.875%
HK$142,661
−HK$4,372/mo
Today · 4.125%
HK$147,033
baseline
▲ 0.50% · 4.625%
HK$155,980
+HK$8,947/mo
Deposit HK$3.37M · loan HK$30.34M · min. income ≈ HK$294,066/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$1,432,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,921
−HK$8,316/mo
▼ 0.25% · 3.875%
HK$158,049
−HK$4,188/mo
Today · 4.125%
HK$162,237
baseline
▲ 0.50% · 4.625%
HK$170,788
+HK$8,551/mo
Deposit HK$3.37M · loan HK$30.34M · min. income ≈ HK$324,474/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$1,432,631 · Scale 2, in force from 26 Feb 2026)