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$76,902
−HK$4,822/mo
▼ 0.25% · 3.875%
HK$79,294
−HK$2,430/mo
Today · 4.125%
HK$81,724
baseline
▲ 0.50% · 4.625%
HK$86,697
+HK$4,973/mo
Deposit HK$16.86M · loan HK$16.86M · min. income ≈ HK$163,448/mo (50% DSR)
Upfront cash ≈ HK$18.30M (deposit + AVD stamp duty HK$1,433,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,553
−HK$4,622/mo
▼ 0.25% · 3.875%
HK$87,847
−HK$2,328/mo
Today · 4.125%
HK$90,175
baseline
▲ 0.50% · 4.625%
HK$94,928
+HK$4,753/mo
Deposit HK$16.86M · loan HK$16.86M · min. income ≈ HK$180,350/mo (50% DSR)
Upfront cash ≈ HK$18.30M (deposit + AVD stamp duty HK$1,433,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,282
−HK$5,787/mo
▼ 0.25% · 3.875%
HK$95,153
−HK$2,916/mo
Today · 4.125%
HK$98,069
baseline
▲ 0.50% · 4.625%
HK$104,036
+HK$5,967/mo
Deposit HK$13.49M · loan HK$20.24M · min. income ≈ HK$196,138/mo (50% DSR)
Upfront cash ≈ HK$14.92M (deposit + AVD stamp duty HK$1,433,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,663
−HK$5,547/mo
▼ 0.25% · 3.875%
HK$105,416
−HK$2,794/mo
Today · 4.125%
HK$108,210
baseline
▲ 0.50% · 4.625%
HK$113,914
+HK$5,704/mo
Deposit HK$13.49M · loan HK$20.24M · min. income ≈ HK$216,420/mo (50% DSR)
Upfront cash ≈ HK$14.92M (deposit + AVD stamp duty HK$1,433,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,663
−HK$6,751/mo
▼ 0.25% · 3.875%
HK$111,012
−HK$3,402/mo
Today · 4.125%
HK$114,414
baseline
▲ 0.50% · 4.625%
HK$121,376
+HK$6,962/mo
Deposit HK$10.12M · loan HK$23.61M · min. income ≈ HK$228,828/mo (50% DSR)
Upfront cash ≈ HK$11.55M (deposit + AVD stamp duty HK$1,433,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,774
−HK$6,471/mo
▼ 0.25% · 3.875%
HK$122,986
−HK$3,259/mo
Today · 4.125%
HK$126,245
baseline
▲ 0.50% · 4.625%
HK$132,899
+HK$6,654/mo
Deposit HK$10.12M · loan HK$23.61M · min. income ≈ HK$252,490/mo (50% DSR)
Upfront cash ≈ HK$11.55M (deposit + AVD stamp duty HK$1,433,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,423
−HK$8,681/mo
▼ 0.25% · 3.875%
HK$142,729
−HK$4,375/mo
Today · 4.125%
HK$147,104
baseline
▲ 0.50% · 4.625%
HK$156,055
+HK$8,951/mo
Deposit HK$3.37M · loan HK$30.35M · min. income ≈ HK$294,208/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$1,433,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,995
−HK$8,319/mo
▼ 0.25% · 3.875%
HK$158,125
−HK$4,189/mo
Today · 4.125%
HK$162,314
baseline
▲ 0.50% · 4.625%
HK$170,870
+HK$8,556/mo
Deposit HK$3.37M · loan HK$30.35M · min. income ≈ HK$324,628/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$1,433,317 · Scale 2, in force from 26 Feb 2026)