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$76,785
−HK$4,815/mo
▼ 0.25% · 3.875%
HK$79,173
−HK$2,427/mo
Today · 4.125%
HK$81,600
baseline
▲ 0.50% · 4.625%
HK$86,565
+HK$4,965/mo
Deposit HK$16.84M · loan HK$16.84M · min. income ≈ HK$163,200/mo (50% DSR)
Upfront cash ≈ HK$18.27M (deposit + AVD stamp duty HK$1,431,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,422
−HK$4,615/mo
▼ 0.25% · 3.875%
HK$87,713
−HK$2,324/mo
Today · 4.125%
HK$90,037
baseline
▲ 0.50% · 4.625%
HK$94,783
+HK$4,746/mo
Deposit HK$16.84M · loan HK$16.84M · min. income ≈ HK$180,074/mo (50% DSR)
Upfront cash ≈ HK$18.27M (deposit + AVD stamp duty HK$1,431,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,142
−HK$5,778/mo
▼ 0.25% · 3.875%
HK$95,008
−HK$2,912/mo
Today · 4.125%
HK$97,920
baseline
▲ 0.50% · 4.625%
HK$103,878
+HK$5,958/mo
Deposit HK$13.47M · loan HK$20.20M · min. income ≈ HK$195,840/mo (50% DSR)
Upfront cash ≈ HK$14.90M (deposit + AVD stamp duty HK$1,431,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,507
−HK$5,538/mo
▼ 0.25% · 3.875%
HK$105,256
−HK$2,789/mo
Today · 4.125%
HK$108,045
baseline
▲ 0.50% · 4.625%
HK$113,740
+HK$5,695/mo
Deposit HK$13.47M · loan HK$20.20M · min. income ≈ HK$216,090/mo (50% DSR)
Upfront cash ≈ HK$14.90M (deposit + AVD stamp duty HK$1,431,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,499
−HK$6,741/mo
▼ 0.25% · 3.875%
HK$110,842
−HK$3,398/mo
Today · 4.125%
HK$114,240
baseline
▲ 0.50% · 4.625%
HK$121,191
+HK$6,951/mo
Deposit HK$10.10M · loan HK$23.57M · min. income ≈ HK$228,480/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$1,431,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,591
−HK$6,461/mo
▼ 0.25% · 3.875%
HK$122,798
−HK$3,254/mo
Today · 4.125%
HK$126,052
baseline
▲ 0.50% · 4.625%
HK$132,697
+HK$6,645/mo
Deposit HK$10.10M · loan HK$23.57M · min. income ≈ HK$252,104/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$1,431,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,212
−HK$8,668/mo
▼ 0.25% · 3.875%
HK$142,512
−HK$4,368/mo
Today · 4.125%
HK$146,880
baseline
▲ 0.50% · 4.625%
HK$155,817
+HK$8,937/mo
Deposit HK$3.37M · loan HK$30.31M · min. income ≈ HK$293,760/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$1,431,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,760
−HK$8,307/mo
▼ 0.25% · 3.875%
HK$157,884
−HK$4,183/mo
Today · 4.125%
HK$162,067
baseline
▲ 0.50% · 4.625%
HK$170,610
+HK$8,543/mo
Deposit HK$3.37M · loan HK$30.31M · min. income ≈ HK$324,134/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$1,431,133 · Scale 2, in force from 26 Feb 2026)