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$76,667
−HK$4,808/mo
▼ 0.25% · 3.875%
HK$79,052
−HK$2,423/mo
Today · 4.125%
HK$81,475
baseline
▲ 0.50% · 4.625%
HK$86,432
+HK$4,957/mo
Deposit HK$16.81M · loan HK$16.81M · min. income ≈ HK$162,950/mo (50% DSR)
Upfront cash ≈ HK$18.24M (deposit + AVD stamp duty HK$1,428,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,291
−HK$4,608/mo
▼ 0.25% · 3.875%
HK$87,579
−HK$2,320/mo
Today · 4.125%
HK$89,899
baseline
▲ 0.50% · 4.625%
HK$94,638
+HK$4,739/mo
Deposit HK$16.81M · loan HK$16.81M · min. income ≈ HK$179,798/mo (50% DSR)
Upfront cash ≈ HK$18.24M (deposit + AVD stamp duty HK$1,428,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,000
−HK$5,769/mo
▼ 0.25% · 3.875%
HK$94,862
−HK$2,907/mo
Today · 4.125%
HK$97,769
baseline
▲ 0.50% · 4.625%
HK$103,719
+HK$5,950/mo
Deposit HK$13.45M · loan HK$20.17M · min. income ≈ HK$195,538/mo (50% DSR)
Upfront cash ≈ HK$14.88M (deposit + AVD stamp duty HK$1,428,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,349
−HK$5,530/mo
▼ 0.25% · 3.875%
HK$105,094
−HK$2,785/mo
Today · 4.125%
HK$107,879
baseline
▲ 0.50% · 4.625%
HK$113,565
+HK$5,686/mo
Deposit HK$13.45M · loan HK$20.17M · min. income ≈ HK$215,758/mo (50% DSR)
Upfront cash ≈ HK$14.88M (deposit + AVD stamp duty HK$1,428,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,334
−HK$6,730/mo
▼ 0.25% · 3.875%
HK$110,672
−HK$3,392/mo
Today · 4.125%
HK$114,064
baseline
▲ 0.50% · 4.625%
HK$121,005
+HK$6,941/mo
Deposit HK$10.09M · loan HK$23.54M · min. income ≈ HK$228,128/mo (50% DSR)
Upfront cash ≈ HK$11.52M (deposit + AVD stamp duty HK$1,428,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,408
−HK$6,451/mo
▼ 0.25% · 3.875%
HK$122,610
−HK$3,249/mo
Today · 4.125%
HK$125,859
baseline
▲ 0.50% · 4.625%
HK$132,493
+HK$6,634/mo
Deposit HK$10.09M · loan HK$23.54M · min. income ≈ HK$251,718/mo (50% DSR)
Upfront cash ≈ HK$11.52M (deposit + AVD stamp duty HK$1,428,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,000
−HK$8,654/mo
▼ 0.25% · 3.875%
HK$142,293
−HK$4,361/mo
Today · 4.125%
HK$146,654
baseline
▲ 0.50% · 4.625%
HK$155,578
+HK$8,924/mo
Deposit HK$3.36M · loan HK$30.26M · min. income ≈ HK$293,308/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$1,428,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,524
−HK$8,294/mo
▼ 0.25% · 3.875%
HK$157,641
−HK$4,177/mo
Today · 4.125%
HK$161,818
baseline
▲ 0.50% · 4.625%
HK$170,348
+HK$8,530/mo
Deposit HK$3.36M · loan HK$30.26M · min. income ≈ HK$323,636/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$1,428,937 · Scale 2, in force from 26 Feb 2026)