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$76,798
−HK$4,816/mo
▼ 0.25% · 3.875%
HK$79,187
−HK$2,427/mo
Today · 4.125%
HK$81,614
baseline
▲ 0.50% · 4.625%
HK$86,580
+HK$4,966/mo
Deposit HK$16.84M · loan HK$16.84M · min. income ≈ HK$163,228/mo (50% DSR)
Upfront cash ≈ HK$18.27M (deposit + AVD stamp duty HK$1,431,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,437
−HK$4,616/mo
▼ 0.25% · 3.875%
HK$87,728
−HK$2,325/mo
Today · 4.125%
HK$90,053
baseline
▲ 0.50% · 4.625%
HK$94,800
+HK$4,747/mo
Deposit HK$16.84M · loan HK$16.84M · min. income ≈ HK$180,106/mo (50% DSR)
Upfront cash ≈ HK$18.27M (deposit + AVD stamp duty HK$1,431,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,158
−HK$5,779/mo
▼ 0.25% · 3.875%
HK$95,024
−HK$2,913/mo
Today · 4.125%
HK$97,937
baseline
▲ 0.50% · 4.625%
HK$103,896
+HK$5,959/mo
Deposit HK$13.47M · loan HK$20.21M · min. income ≈ HK$195,874/mo (50% DSR)
Upfront cash ≈ HK$14.90M (deposit + AVD stamp duty HK$1,431,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,524
−HK$5,540/mo
▼ 0.25% · 3.875%
HK$105,274
−HK$2,790/mo
Today · 4.125%
HK$108,064
baseline
▲ 0.50% · 4.625%
HK$113,760
+HK$5,696/mo
Deposit HK$13.47M · loan HK$20.21M · min. income ≈ HK$216,128/mo (50% DSR)
Upfront cash ≈ HK$14.90M (deposit + AVD stamp duty HK$1,431,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,517
−HK$6,743/mo
▼ 0.25% · 3.875%
HK$110,862
−HK$3,398/mo
Today · 4.125%
HK$114,260
baseline
▲ 0.50% · 4.625%
HK$121,212
+HK$6,952/mo
Deposit HK$10.10M · loan HK$23.58M · min. income ≈ HK$228,520/mo (50% DSR)
Upfront cash ≈ HK$11.54M (deposit + AVD stamp duty HK$1,431,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,612
−HK$6,462/mo
▼ 0.25% · 3.875%
HK$122,820
−HK$3,254/mo
Today · 4.125%
HK$126,074
baseline
▲ 0.50% · 4.625%
HK$132,720
+HK$6,646/mo
Deposit HK$10.10M · loan HK$23.58M · min. income ≈ HK$252,148/mo (50% DSR)
Upfront cash ≈ HK$11.54M (deposit + AVD stamp duty HK$1,431,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,236
−HK$8,669/mo
▼ 0.25% · 3.875%
HK$142,536
−HK$4,369/mo
Today · 4.125%
HK$146,905
baseline
▲ 0.50% · 4.625%
HK$155,844
+HK$8,939/mo
Deposit HK$3.37M · loan HK$30.31M · min. income ≈ HK$293,810/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$1,431,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,787
−HK$8,308/mo
▼ 0.25% · 3.875%
HK$157,911
−HK$4,184/mo
Today · 4.125%
HK$162,095
baseline
▲ 0.50% · 4.625%
HK$170,640
+HK$8,545/mo
Deposit HK$3.37M · loan HK$30.31M · min. income ≈ HK$324,190/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$1,431,382 · Scale 2, in force from 26 Feb 2026)