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$76,433
−HK$4,793/mo
▼ 0.25% · 3.875%
HK$78,811
−HK$2,415/mo
Today · 4.125%
HK$81,226
baseline
▲ 0.50% · 4.625%
HK$86,169
+HK$4,943/mo
Deposit HK$16.76M · loan HK$16.76M · min. income ≈ HK$162,452/mo (50% DSR)
Upfront cash ≈ HK$18.18M (deposit + AVD stamp duty HK$1,424,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,031
−HK$4,594/mo
▼ 0.25% · 3.875%
HK$87,312
−HK$2,313/mo
Today · 4.125%
HK$89,625
baseline
▲ 0.50% · 4.625%
HK$94,349
+HK$4,724/mo
Deposit HK$16.76M · loan HK$16.76M · min. income ≈ HK$179,250/mo (50% DSR)
Upfront cash ≈ HK$18.18M (deposit + AVD stamp duty HK$1,424,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,720
−HK$5,751/mo
▼ 0.25% · 3.875%
HK$94,573
−HK$2,898/mo
Today · 4.125%
HK$97,471
baseline
▲ 0.50% · 4.625%
HK$103,402
+HK$5,931/mo
Deposit HK$13.41M · loan HK$20.11M · min. income ≈ HK$194,942/mo (50% DSR)
Upfront cash ≈ HK$14.83M (deposit + AVD stamp duty HK$1,424,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,037
−HK$5,513/mo
▼ 0.25% · 3.875%
HK$104,774
−HK$2,776/mo
Today · 4.125%
HK$107,550
baseline
▲ 0.50% · 4.625%
HK$113,219
+HK$5,669/mo
Deposit HK$13.41M · loan HK$20.11M · min. income ≈ HK$215,100/mo (50% DSR)
Upfront cash ≈ HK$14.83M (deposit + AVD stamp duty HK$1,424,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,006
−HK$6,711/mo
▼ 0.25% · 3.875%
HK$110,335
−HK$3,382/mo
Today · 4.125%
HK$113,717
baseline
▲ 0.50% · 4.625%
HK$120,636
+HK$6,919/mo
Deposit HK$10.06M · loan HK$23.46M · min. income ≈ HK$227,434/mo (50% DSR)
Upfront cash ≈ HK$11.48M (deposit + AVD stamp duty HK$1,424,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,044
−HK$6,431/mo
▼ 0.25% · 3.875%
HK$122,236
−HK$3,239/mo
Today · 4.125%
HK$125,475
baseline
▲ 0.50% · 4.625%
HK$132,089
+HK$6,614/mo
Deposit HK$10.06M · loan HK$23.46M · min. income ≈ HK$250,950/mo (50% DSR)
Upfront cash ≈ HK$11.48M (deposit + AVD stamp duty HK$1,424,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,580
−HK$8,627/mo
▼ 0.25% · 3.875%
HK$141,859
−HK$4,348/mo
Today · 4.125%
HK$146,207
baseline
▲ 0.50% · 4.625%
HK$155,104
+HK$8,897/mo
Deposit HK$3.35M · loan HK$30.17M · min. income ≈ HK$292,414/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$1,424,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,056
−HK$8,269/mo
▼ 0.25% · 3.875%
HK$157,161
−HK$4,164/mo
Today · 4.125%
HK$161,325
baseline
▲ 0.50% · 4.625%
HK$169,829
+HK$8,504/mo
Deposit HK$3.35M · loan HK$30.17M · min. income ≈ HK$322,650/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$1,424,581 · Scale 2, in force from 26 Feb 2026)