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$76,922
−HK$4,824/mo
▼ 0.25% · 3.875%
HK$79,315
−HK$2,431/mo
Today · 4.125%
HK$81,746
baseline
▲ 0.50% · 4.625%
HK$86,720
+HK$4,974/mo
Deposit HK$16.87M · loan HK$16.87M · min. income ≈ HK$163,492/mo (50% DSR)
Upfront cash ≈ HK$18.30M (deposit + AVD stamp duty HK$1,433,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,575
−HK$4,624/mo
▼ 0.25% · 3.875%
HK$87,870
−HK$2,329/mo
Today · 4.125%
HK$90,199
baseline
▲ 0.50% · 4.625%
HK$94,953
+HK$4,754/mo
Deposit HK$16.87M · loan HK$16.87M · min. income ≈ HK$180,398/mo (50% DSR)
Upfront cash ≈ HK$18.30M (deposit + AVD stamp duty HK$1,433,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,307
−HK$5,788/mo
▼ 0.25% · 3.875%
HK$95,178
−HK$2,917/mo
Today · 4.125%
HK$98,095
baseline
▲ 0.50% · 4.625%
HK$104,064
+HK$5,969/mo
Deposit HK$13.49M · loan HK$20.24M · min. income ≈ HK$196,190/mo (50% DSR)
Upfront cash ≈ HK$14.93M (deposit + AVD stamp duty HK$1,433,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,690
−HK$5,548/mo
▼ 0.25% · 3.875%
HK$105,445
−HK$2,793/mo
Today · 4.125%
HK$108,238
baseline
▲ 0.50% · 4.625%
HK$113,944
+HK$5,706/mo
Deposit HK$13.49M · loan HK$20.24M · min. income ≈ HK$216,476/mo (50% DSR)
Upfront cash ≈ HK$14.93M (deposit + AVD stamp duty HK$1,433,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,691
−HK$6,754/mo
▼ 0.25% · 3.875%
HK$111,041
−HK$3,404/mo
Today · 4.125%
HK$114,445
baseline
▲ 0.50% · 4.625%
HK$121,408
+HK$6,963/mo
Deposit HK$10.12M · loan HK$23.61M · min. income ≈ HK$228,890/mo (50% DSR)
Upfront cash ≈ HK$11.55M (deposit + AVD stamp duty HK$1,433,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,806
−HK$6,472/mo
▼ 0.25% · 3.875%
HK$123,019
−HK$3,259/mo
Today · 4.125%
HK$126,278
baseline
▲ 0.50% · 4.625%
HK$132,935
+HK$6,657/mo
Deposit HK$10.12M · loan HK$23.61M · min. income ≈ HK$252,556/mo (50% DSR)
Upfront cash ≈ HK$11.55M (deposit + AVD stamp duty HK$1,433,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,460
−HK$8,683/mo
▼ 0.25% · 3.875%
HK$142,767
−HK$4,376/mo
Today · 4.125%
HK$147,143
baseline
▲ 0.50% · 4.625%
HK$156,096
+HK$8,953/mo
Deposit HK$3.37M · loan HK$30.36M · min. income ≈ HK$294,286/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$1,433,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,036
−HK$8,322/mo
▼ 0.25% · 3.875%
HK$158,167
−HK$4,191/mo
Today · 4.125%
HK$162,358
baseline
▲ 0.50% · 4.625%
HK$170,916
+HK$8,558/mo
Deposit HK$3.37M · loan HK$30.36M · min. income ≈ HK$324,716/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$1,433,699 · Scale 2, in force from 26 Feb 2026)