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$76,777
−HK$4,815/mo
▼ 0.25% · 3.875%
HK$79,166
−HK$2,426/mo
Today · 4.125%
HK$81,592
baseline
▲ 0.50% · 4.625%
HK$86,557
+HK$4,965/mo
Deposit HK$16.84M · loan HK$16.84M · min. income ≈ HK$163,184/mo (50% DSR)
Upfront cash ≈ HK$18.27M (deposit + AVD stamp duty HK$1,430,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,414
−HK$4,615/mo
▼ 0.25% · 3.875%
HK$87,705
−HK$2,324/mo
Today · 4.125%
HK$90,029
baseline
▲ 0.50% · 4.625%
HK$94,774
+HK$4,745/mo
Deposit HK$16.84M · loan HK$16.84M · min. income ≈ HK$180,058/mo (50% DSR)
Upfront cash ≈ HK$18.27M (deposit + AVD stamp duty HK$1,430,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,133
−HK$5,778/mo
▼ 0.25% · 3.875%
HK$94,999
−HK$2,912/mo
Today · 4.125%
HK$97,911
baseline
▲ 0.50% · 4.625%
HK$103,868
+HK$5,957/mo
Deposit HK$13.47M · loan HK$20.20M · min. income ≈ HK$195,822/mo (50% DSR)
Upfront cash ≈ HK$14.90M (deposit + AVD stamp duty HK$1,430,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,497
−HK$5,538/mo
▼ 0.25% · 3.875%
HK$105,246
−HK$2,789/mo
Today · 4.125%
HK$108,035
baseline
▲ 0.50% · 4.625%
HK$113,729
+HK$5,694/mo
Deposit HK$13.47M · loan HK$20.20M · min. income ≈ HK$216,070/mo (50% DSR)
Upfront cash ≈ HK$14.90M (deposit + AVD stamp duty HK$1,430,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,488
−HK$6,741/mo
▼ 0.25% · 3.875%
HK$110,832
−HK$3,397/mo
Today · 4.125%
HK$114,229
baseline
▲ 0.50% · 4.625%
HK$121,179
+HK$6,950/mo
Deposit HK$10.10M · loan HK$23.57M · min. income ≈ HK$228,458/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$1,430,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,580
−HK$6,460/mo
▼ 0.25% · 3.875%
HK$122,787
−HK$3,253/mo
Today · 4.125%
HK$126,040
baseline
▲ 0.50% · 4.625%
HK$132,684
+HK$6,644/mo
Deposit HK$10.10M · loan HK$23.57M · min. income ≈ HK$252,080/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$1,430,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,199
−HK$8,667/mo
▼ 0.25% · 3.875%
HK$142,498
−HK$4,368/mo
Today · 4.125%
HK$146,866
baseline
▲ 0.50% · 4.625%
HK$155,802
+HK$8,936/mo
Deposit HK$3.37M · loan HK$30.30M · min. income ≈ HK$293,732/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$1,430,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,745
−HK$8,307/mo
▼ 0.25% · 3.875%
HK$157,869
−HK$4,183/mo
Today · 4.125%
HK$162,052
baseline
▲ 0.50% · 4.625%
HK$170,594
+HK$8,542/mo
Deposit HK$3.37M · loan HK$30.30M · min. income ≈ HK$324,104/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$1,430,998 · Scale 2, in force from 26 Feb 2026)