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$76,823
−HK$4,817/mo
▼ 0.25% · 3.875%
HK$79,213
−HK$2,427/mo
Today · 4.125%
HK$81,640
baseline
▲ 0.50% · 4.625%
HK$86,608
+HK$4,968/mo
Deposit HK$16.85M · loan HK$16.85M · min. income ≈ HK$163,280/mo (50% DSR)
Upfront cash ≈ HK$18.28M (deposit + AVD stamp duty HK$1,431,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,465
−HK$4,617/mo
▼ 0.25% · 3.875%
HK$87,757
−HK$2,325/mo
Today · 4.125%
HK$90,082
baseline
▲ 0.50% · 4.625%
HK$94,831
+HK$4,749/mo
Deposit HK$16.85M · loan HK$16.85M · min. income ≈ HK$180,164/mo (50% DSR)
Upfront cash ≈ HK$18.28M (deposit + AVD stamp duty HK$1,431,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,188
−HK$5,781/mo
▼ 0.25% · 3.875%
HK$95,055
−HK$2,914/mo
Today · 4.125%
HK$97,969
baseline
▲ 0.50% · 4.625%
HK$103,930
+HK$5,961/mo
Deposit HK$13.48M · loan HK$20.21M · min. income ≈ HK$195,938/mo (50% DSR)
Upfront cash ≈ HK$14.91M (deposit + AVD stamp duty HK$1,431,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,558
−HK$5,541/mo
▼ 0.25% · 3.875%
HK$105,308
−HK$2,791/mo
Today · 4.125%
HK$108,099
baseline
▲ 0.50% · 4.625%
HK$113,797
+HK$5,698/mo
Deposit HK$13.48M · loan HK$20.21M · min. income ≈ HK$216,198/mo (50% DSR)
Upfront cash ≈ HK$14.91M (deposit + AVD stamp duty HK$1,431,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,552
−HK$6,745/mo
▼ 0.25% · 3.875%
HK$110,898
−HK$3,399/mo
Today · 4.125%
HK$114,297
baseline
▲ 0.50% · 4.625%
HK$121,251
+HK$6,954/mo
Deposit HK$10.11M · loan HK$23.58M · min. income ≈ HK$228,594/mo (50% DSR)
Upfront cash ≈ HK$11.54M (deposit + AVD stamp duty HK$1,431,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,651
−HK$6,464/mo
▼ 0.25% · 3.875%
HK$122,860
−HK$3,255/mo
Today · 4.125%
HK$126,115
baseline
▲ 0.50% · 4.625%
HK$132,763
+HK$6,648/mo
Deposit HK$10.11M · loan HK$23.58M · min. income ≈ HK$252,230/mo (50% DSR)
Upfront cash ≈ HK$11.54M (deposit + AVD stamp duty HK$1,431,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,281
−HK$8,672/mo
▼ 0.25% · 3.875%
HK$142,583
−HK$4,370/mo
Today · 4.125%
HK$146,953
baseline
▲ 0.50% · 4.625%
HK$155,895
+HK$8,942/mo
Deposit HK$3.37M · loan HK$30.32M · min. income ≈ HK$293,906/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$1,431,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,837
−HK$8,311/mo
▼ 0.25% · 3.875%
HK$157,962
−HK$4,186/mo
Today · 4.125%
HK$162,148
baseline
▲ 0.50% · 4.625%
HK$170,695
+HK$8,547/mo
Deposit HK$3.37M · loan HK$30.32M · min. income ≈ HK$324,296/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$1,431,847 · Scale 2, in force from 26 Feb 2026)