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$76,844
−HK$4,819/mo
▼ 0.25% · 3.875%
HK$79,235
−HK$2,428/mo
Today · 4.125%
HK$81,663
baseline
▲ 0.50% · 4.625%
HK$86,632
+HK$4,969/mo
Deposit HK$16.85M · loan HK$16.85M · min. income ≈ HK$163,326/mo (50% DSR)
Upfront cash ≈ HK$18.28M (deposit + AVD stamp duty HK$1,432,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,489
−HK$4,618/mo
▼ 0.25% · 3.875%
HK$87,781
−HK$2,326/mo
Today · 4.125%
HK$90,107
baseline
▲ 0.50% · 4.625%
HK$94,857
+HK$4,750/mo
Deposit HK$16.85M · loan HK$16.85M · min. income ≈ HK$180,214/mo (50% DSR)
Upfront cash ≈ HK$18.28M (deposit + AVD stamp duty HK$1,432,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,213
−HK$5,783/mo
▼ 0.25% · 3.875%
HK$95,082
−HK$2,914/mo
Today · 4.125%
HK$97,996
baseline
▲ 0.50% · 4.625%
HK$103,959
+HK$5,963/mo
Deposit HK$13.48M · loan HK$20.22M · min. income ≈ HK$195,992/mo (50% DSR)
Upfront cash ≈ HK$14.91M (deposit + AVD stamp duty HK$1,432,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,586
−HK$5,543/mo
▼ 0.25% · 3.875%
HK$105,338
−HK$2,791/mo
Today · 4.125%
HK$108,129
baseline
▲ 0.50% · 4.625%
HK$113,829
+HK$5,700/mo
Deposit HK$13.48M · loan HK$20.22M · min. income ≈ HK$216,258/mo (50% DSR)
Upfront cash ≈ HK$14.91M (deposit + AVD stamp duty HK$1,432,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,582
−HK$6,747/mo
▼ 0.25% · 3.875%
HK$110,929
−HK$3,400/mo
Today · 4.125%
HK$114,329
baseline
▲ 0.50% · 4.625%
HK$121,285
+HK$6,956/mo
Deposit HK$10.11M · loan HK$23.59M · min. income ≈ HK$228,658/mo (50% DSR)
Upfront cash ≈ HK$11.54M (deposit + AVD stamp duty HK$1,432,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,684
−HK$6,466/mo
▼ 0.25% · 3.875%
HK$122,894
−HK$3,256/mo
Today · 4.125%
HK$126,150
baseline
▲ 0.50% · 4.625%
HK$132,800
+HK$6,650/mo
Deposit HK$10.11M · loan HK$23.59M · min. income ≈ HK$252,300/mo (50% DSR)
Upfront cash ≈ HK$11.54M (deposit + AVD stamp duty HK$1,432,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,320
−HK$8,674/mo
▼ 0.25% · 3.875%
HK$142,623
−HK$4,371/mo
Today · 4.125%
HK$146,994
baseline
▲ 0.50% · 4.625%
HK$155,938
+HK$8,944/mo
Deposit HK$3.37M · loan HK$30.33M · min. income ≈ HK$293,988/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$1,432,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,880
−HK$8,313/mo
▼ 0.25% · 3.875%
HK$158,007
−HK$4,186/mo
Today · 4.125%
HK$162,193
baseline
▲ 0.50% · 4.625%
HK$170,743
+HK$8,550/mo
Deposit HK$3.37M · loan HK$30.33M · min. income ≈ HK$324,386/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$1,432,248 · Scale 2, in force from 26 Feb 2026)