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$76,908
−HK$4,823/mo
▼ 0.25% · 3.875%
HK$79,300
−HK$2,431/mo
Today · 4.125%
HK$81,731
baseline
▲ 0.50% · 4.625%
HK$86,704
+HK$4,973/mo
Deposit HK$16.86M · loan HK$16.86M · min. income ≈ HK$163,462/mo (50% DSR)
Upfront cash ≈ HK$18.30M (deposit + AVD stamp duty HK$1,433,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,559
−HK$4,623/mo
▼ 0.25% · 3.875%
HK$87,854
−HK$2,328/mo
Today · 4.125%
HK$90,182
baseline
▲ 0.50% · 4.625%
HK$94,935
+HK$4,753/mo
Deposit HK$16.86M · loan HK$16.86M · min. income ≈ HK$180,364/mo (50% DSR)
Upfront cash ≈ HK$18.30M (deposit + AVD stamp duty HK$1,433,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,289
−HK$5,788/mo
▼ 0.25% · 3.875%
HK$95,160
−HK$2,917/mo
Today · 4.125%
HK$98,077
baseline
▲ 0.50% · 4.625%
HK$104,044
+HK$5,967/mo
Deposit HK$13.49M · loan HK$20.24M · min. income ≈ HK$196,154/mo (50% DSR)
Upfront cash ≈ HK$14.92M (deposit + AVD stamp duty HK$1,433,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,671
−HK$5,547/mo
▼ 0.25% · 3.875%
HK$105,424
−HK$2,794/mo
Today · 4.125%
HK$108,218
baseline
▲ 0.50% · 4.625%
HK$113,922
+HK$5,704/mo
Deposit HK$13.49M · loan HK$20.24M · min. income ≈ HK$216,436/mo (50% DSR)
Upfront cash ≈ HK$14.92M (deposit + AVD stamp duty HK$1,433,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,671
−HK$6,752/mo
▼ 0.25% · 3.875%
HK$111,020
−HK$3,403/mo
Today · 4.125%
HK$114,423
baseline
▲ 0.50% · 4.625%
HK$121,385
+HK$6,962/mo
Deposit HK$10.12M · loan HK$23.61M · min. income ≈ HK$228,846/mo (50% DSR)
Upfront cash ≈ HK$11.55M (deposit + AVD stamp duty HK$1,433,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,783
−HK$6,471/mo
▼ 0.25% · 3.875%
HK$122,995
−HK$3,259/mo
Today · 4.125%
HK$126,254
baseline
▲ 0.50% · 4.625%
HK$132,909
+HK$6,655/mo
Deposit HK$10.12M · loan HK$23.61M · min. income ≈ HK$252,508/mo (50% DSR)
Upfront cash ≈ HK$11.55M (deposit + AVD stamp duty HK$1,433,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,434
−HK$8,681/mo
▼ 0.25% · 3.875%
HK$142,740
−HK$4,375/mo
Today · 4.125%
HK$147,115
baseline
▲ 0.50% · 4.625%
HK$156,067
+HK$8,952/mo
Deposit HK$3.37M · loan HK$30.35M · min. income ≈ HK$294,230/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$1,433,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,006
−HK$8,321/mo
▼ 0.25% · 3.875%
HK$158,137
−HK$4,190/mo
Today · 4.125%
HK$162,327
baseline
▲ 0.50% · 4.625%
HK$170,883
+HK$8,556/mo
Deposit HK$3.37M · loan HK$30.35M · min. income ≈ HK$324,654/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$1,433,426 · Scale 2, in force from 26 Feb 2026)