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$76,664
−HK$4,807/mo
▼ 0.25% · 3.875%
HK$79,048
−HK$2,423/mo
Today · 4.125%
HK$81,471
baseline
▲ 0.50% · 4.625%
HK$86,429
+HK$4,958/mo
Deposit HK$16.81M · loan HK$16.81M · min. income ≈ HK$162,942/mo (50% DSR)
Upfront cash ≈ HK$18.24M (deposit + AVD stamp duty HK$1,428,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,288
−HK$4,608/mo
▼ 0.25% · 3.875%
HK$87,575
−HK$2,321/mo
Today · 4.125%
HK$89,896
baseline
▲ 0.50% · 4.625%
HK$94,634
+HK$4,738/mo
Deposit HK$16.81M · loan HK$16.81M · min. income ≈ HK$179,792/mo (50% DSR)
Upfront cash ≈ HK$18.24M (deposit + AVD stamp duty HK$1,428,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,997
−HK$5,769/mo
▼ 0.25% · 3.875%
HK$94,858
−HK$2,908/mo
Today · 4.125%
HK$97,766
baseline
▲ 0.50% · 4.625%
HK$103,714
+HK$5,948/mo
Deposit HK$13.45M · loan HK$20.17M · min. income ≈ HK$195,532/mo (50% DSR)
Upfront cash ≈ HK$14.88M (deposit + AVD stamp duty HK$1,428,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,345
−HK$5,530/mo
▼ 0.25% · 3.875%
HK$105,090
−HK$2,785/mo
Today · 4.125%
HK$107,875
baseline
▲ 0.50% · 4.625%
HK$113,561
+HK$5,686/mo
Deposit HK$13.45M · loan HK$20.17M · min. income ≈ HK$215,750/mo (50% DSR)
Upfront cash ≈ HK$14.88M (deposit + AVD stamp duty HK$1,428,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,329
−HK$6,731/mo
▼ 0.25% · 3.875%
HK$110,668
−HK$3,392/mo
Today · 4.125%
HK$114,060
baseline
▲ 0.50% · 4.625%
HK$121,000
+HK$6,940/mo
Deposit HK$10.09M · loan HK$23.53M · min. income ≈ HK$228,120/mo (50% DSR)
Upfront cash ≈ HK$11.52M (deposit + AVD stamp duty HK$1,428,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,403
−HK$6,451/mo
▼ 0.25% · 3.875%
HK$122,605
−HK$3,249/mo
Today · 4.125%
HK$125,854
baseline
▲ 0.50% · 4.625%
HK$132,488
+HK$6,634/mo
Deposit HK$10.09M · loan HK$23.53M · min. income ≈ HK$251,708/mo (50% DSR)
Upfront cash ≈ HK$11.52M (deposit + AVD stamp duty HK$1,428,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,995
−HK$8,653/mo
▼ 0.25% · 3.875%
HK$142,287
−HK$4,361/mo
Today · 4.125%
HK$146,648
baseline
▲ 0.50% · 4.625%
HK$155,572
+HK$8,924/mo
Deposit HK$3.36M · loan HK$30.26M · min. income ≈ HK$293,296/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$1,428,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,518
−HK$8,294/mo
▼ 0.25% · 3.875%
HK$157,635
−HK$4,177/mo
Today · 4.125%
HK$161,812
baseline
▲ 0.50% · 4.625%
HK$170,341
+HK$8,529/mo
Deposit HK$3.36M · loan HK$30.26M · min. income ≈ HK$323,624/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$1,428,880 · Scale 2, in force from 26 Feb 2026)