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$76,732
−HK$4,812/mo
▼ 0.25% · 3.875%
HK$79,119
−HK$2,425/mo
Today · 4.125%
HK$81,544
baseline
▲ 0.50% · 4.625%
HK$86,505
+HK$4,961/mo
Deposit HK$16.83M · loan HK$16.83M · min. income ≈ HK$163,088/mo (50% DSR)
Upfront cash ≈ HK$18.26M (deposit + AVD stamp duty HK$1,430,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,363
−HK$4,612/mo
▼ 0.25% · 3.875%
HK$87,653
−HK$2,322/mo
Today · 4.125%
HK$89,975
baseline
▲ 0.50% · 4.625%
HK$94,718
+HK$4,743/mo
Deposit HK$16.83M · loan HK$16.83M · min. income ≈ HK$179,950/mo (50% DSR)
Upfront cash ≈ HK$18.26M (deposit + AVD stamp duty HK$1,430,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,078
−HK$5,774/mo
▼ 0.25% · 3.875%
HK$94,942
−HK$2,910/mo
Today · 4.125%
HK$97,852
baseline
▲ 0.50% · 4.625%
HK$103,806
+HK$5,954/mo
Deposit HK$13.46M · loan HK$20.19M · min. income ≈ HK$195,704/mo (50% DSR)
Upfront cash ≈ HK$14.89M (deposit + AVD stamp duty HK$1,430,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,436
−HK$5,534/mo
▼ 0.25% · 3.875%
HK$105,183
−HK$2,787/mo
Today · 4.125%
HK$107,970
baseline
▲ 0.50% · 4.625%
HK$113,662
+HK$5,692/mo
Deposit HK$13.46M · loan HK$20.19M · min. income ≈ HK$215,940/mo (50% DSR)
Upfront cash ≈ HK$14.89M (deposit + AVD stamp duty HK$1,430,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,425
−HK$6,736/mo
▼ 0.25% · 3.875%
HK$110,766
−HK$3,395/mo
Today · 4.125%
HK$114,161
baseline
▲ 0.50% · 4.625%
HK$121,107
+HK$6,946/mo
Deposit HK$10.10M · loan HK$23.56M · min. income ≈ HK$228,322/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$1,430,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,509
−HK$6,456/mo
▼ 0.25% · 3.875%
HK$122,714
−HK$3,251/mo
Today · 4.125%
HK$125,965
baseline
▲ 0.50% · 4.625%
HK$132,605
+HK$6,640/mo
Deposit HK$10.10M · loan HK$23.56M · min. income ≈ HK$251,930/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$1,430,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,117
−HK$8,661/mo
▼ 0.25% · 3.875%
HK$142,413
−HK$4,365/mo
Today · 4.125%
HK$146,778
baseline
▲ 0.50% · 4.625%
HK$155,710
+HK$8,932/mo
Deposit HK$3.37M · loan HK$30.29M · min. income ≈ HK$293,556/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$1,430,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,654
−HK$8,302/mo
▼ 0.25% · 3.875%
HK$157,775
−HK$4,181/mo
Today · 4.125%
HK$161,956
baseline
▲ 0.50% · 4.625%
HK$170,492
+HK$8,536/mo
Deposit HK$3.37M · loan HK$30.29M · min. income ≈ HK$323,912/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$1,430,147 · Scale 2, in force from 26 Feb 2026)