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$76,727
−HK$4,812/mo
▼ 0.25% · 3.875%
HK$79,114
−HK$2,425/mo
Today · 4.125%
HK$81,539
baseline
▲ 0.50% · 4.625%
HK$86,500
+HK$4,961/mo
Deposit HK$16.82M · loan HK$16.82M · min. income ≈ HK$163,078/mo (50% DSR)
Upfront cash ≈ HK$18.25M (deposit + AVD stamp duty HK$1,430,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,358
−HK$4,612/mo
▼ 0.25% · 3.875%
HK$87,647
−HK$2,323/mo
Today · 4.125%
HK$89,970
baseline
▲ 0.50% · 4.625%
HK$94,712
+HK$4,742/mo
Deposit HK$16.82M · loan HK$16.82M · min. income ≈ HK$179,940/mo (50% DSR)
Upfront cash ≈ HK$18.25M (deposit + AVD stamp duty HK$1,430,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,073
−HK$5,773/mo
▼ 0.25% · 3.875%
HK$94,937
−HK$2,909/mo
Today · 4.125%
HK$97,846
baseline
▲ 0.50% · 4.625%
HK$103,800
+HK$5,954/mo
Deposit HK$13.46M · loan HK$20.19M · min. income ≈ HK$195,692/mo (50% DSR)
Upfront cash ≈ HK$14.89M (deposit + AVD stamp duty HK$1,430,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,430
−HK$5,534/mo
▼ 0.25% · 3.875%
HK$105,177
−HK$2,787/mo
Today · 4.125%
HK$107,964
baseline
▲ 0.50% · 4.625%
HK$113,655
+HK$5,691/mo
Deposit HK$13.46M · loan HK$20.19M · min. income ≈ HK$215,928/mo (50% DSR)
Upfront cash ≈ HK$14.89M (deposit + AVD stamp duty HK$1,430,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,418
−HK$6,736/mo
▼ 0.25% · 3.875%
HK$110,759
−HK$3,395/mo
Today · 4.125%
HK$114,154
baseline
▲ 0.50% · 4.625%
HK$121,100
+HK$6,946/mo
Deposit HK$10.09M · loan HK$23.55M · min. income ≈ HK$228,308/mo (50% DSR)
Upfront cash ≈ HK$11.52M (deposit + AVD stamp duty HK$1,430,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,501
−HK$6,457/mo
▼ 0.25% · 3.875%
HK$122,706
−HK$3,252/mo
Today · 4.125%
HK$125,958
baseline
▲ 0.50% · 4.625%
HK$132,597
+HK$6,639/mo
Deposit HK$10.09M · loan HK$23.55M · min. income ≈ HK$251,916/mo (50% DSR)
Upfront cash ≈ HK$11.52M (deposit + AVD stamp duty HK$1,430,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,109
−HK$8,660/mo
▼ 0.25% · 3.875%
HK$142,405
−HK$4,364/mo
Today · 4.125%
HK$146,769
baseline
▲ 0.50% · 4.625%
HK$155,700
+HK$8,931/mo
Deposit HK$3.36M · loan HK$30.28M · min. income ≈ HK$293,538/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$1,430,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,645
−HK$8,301/mo
▼ 0.25% · 3.875%
HK$157,765
−HK$4,181/mo
Today · 4.125%
HK$161,946
baseline
▲ 0.50% · 4.625%
HK$170,482
+HK$8,536/mo
Deposit HK$3.36M · loan HK$30.28M · min. income ≈ HK$323,892/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$1,430,060 · Scale 2, in force from 26 Feb 2026)