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$76,926
−HK$4,824/mo
▼ 0.25% · 3.875%
HK$79,319
−HK$2,431/mo
Today · 4.125%
HK$81,750
baseline
▲ 0.50% · 4.625%
HK$86,724
+HK$4,974/mo
Deposit HK$16.87M · loan HK$16.87M · min. income ≈ HK$163,500/mo (50% DSR)
Upfront cash ≈ HK$18.30M (deposit + AVD stamp duty HK$1,433,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,579
−HK$4,624/mo
▼ 0.25% · 3.875%
HK$87,874
−HK$2,329/mo
Today · 4.125%
HK$90,203
baseline
▲ 0.50% · 4.625%
HK$94,957
+HK$4,754/mo
Deposit HK$16.87M · loan HK$16.87M · min. income ≈ HK$180,406/mo (50% DSR)
Upfront cash ≈ HK$18.30M (deposit + AVD stamp duty HK$1,433,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,311
−HK$5,789/mo
▼ 0.25% · 3.875%
HK$95,182
−HK$2,918/mo
Today · 4.125%
HK$98,100
baseline
▲ 0.50% · 4.625%
HK$104,069
+HK$5,969/mo
Deposit HK$13.49M · loan HK$20.24M · min. income ≈ HK$196,200/mo (50% DSR)
Upfront cash ≈ HK$14.93M (deposit + AVD stamp duty HK$1,433,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,695
−HK$5,548/mo
▼ 0.25% · 3.875%
HK$105,449
−HK$2,794/mo
Today · 4.125%
HK$108,243
baseline
▲ 0.50% · 4.625%
HK$113,949
+HK$5,706/mo
Deposit HK$13.49M · loan HK$20.24M · min. income ≈ HK$216,486/mo (50% DSR)
Upfront cash ≈ HK$14.93M (deposit + AVD stamp duty HK$1,433,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,696
−HK$6,754/mo
▼ 0.25% · 3.875%
HK$111,046
−HK$3,404/mo
Today · 4.125%
HK$114,450
baseline
▲ 0.50% · 4.625%
HK$121,414
+HK$6,964/mo
Deposit HK$10.12M · loan HK$23.61M · min. income ≈ HK$228,900/mo (50% DSR)
Upfront cash ≈ HK$11.55M (deposit + AVD stamp duty HK$1,433,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,811
−HK$6,473/mo
▼ 0.25% · 3.875%
HK$123,024
−HK$3,260/mo
Today · 4.125%
HK$126,284
baseline
▲ 0.50% · 4.625%
HK$132,940
+HK$6,656/mo
Deposit HK$10.12M · loan HK$23.61M · min. income ≈ HK$252,568/mo (50% DSR)
Upfront cash ≈ HK$11.55M (deposit + AVD stamp duty HK$1,433,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,466
−HK$8,683/mo
▼ 0.25% · 3.875%
HK$142,773
−HK$4,376/mo
Today · 4.125%
HK$147,149
baseline
▲ 0.50% · 4.625%
HK$156,103
+HK$8,954/mo
Deposit HK$3.37M · loan HK$30.36M · min. income ≈ HK$294,298/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$1,433,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,042
−HK$8,323/mo
▼ 0.25% · 3.875%
HK$158,174
−HK$4,191/mo
Today · 4.125%
HK$162,365
baseline
▲ 0.50% · 4.625%
HK$170,923
+HK$8,558/mo
Deposit HK$3.37M · loan HK$30.36M · min. income ≈ HK$324,730/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$1,433,762 · Scale 2, in force from 26 Feb 2026)