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$76,537
−HK$4,799/mo
▼ 0.25% · 3.875%
HK$78,918
−HK$2,418/mo
Today · 4.125%
HK$81,336
baseline
▲ 0.50% · 4.625%
HK$86,286
+HK$4,950/mo
Deposit HK$16.78M · loan HK$16.78M · min. income ≈ HK$162,672/mo (50% DSR)
Upfront cash ≈ HK$18.21M (deposit + AVD stamp duty HK$1,426,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,146
−HK$4,601/mo
▼ 0.25% · 3.875%
HK$87,430
−HK$2,317/mo
Today · 4.125%
HK$89,747
baseline
▲ 0.50% · 4.625%
HK$94,477
+HK$4,730/mo
Deposit HK$16.78M · loan HK$16.78M · min. income ≈ HK$179,494/mo (50% DSR)
Upfront cash ≈ HK$18.21M (deposit + AVD stamp duty HK$1,426,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,844
−HK$5,760/mo
▼ 0.25% · 3.875%
HK$94,701
−HK$2,903/mo
Today · 4.125%
HK$97,604
baseline
▲ 0.50% · 4.625%
HK$103,543
+HK$5,939/mo
Deposit HK$13.43M · loan HK$20.14M · min. income ≈ HK$195,208/mo (50% DSR)
Upfront cash ≈ HK$14.85M (deposit + AVD stamp duty HK$1,426,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,176
−HK$5,520/mo
▼ 0.25% · 3.875%
HK$104,916
−HK$2,780/mo
Today · 4.125%
HK$107,696
baseline
▲ 0.50% · 4.625%
HK$113,373
+HK$5,677/mo
Deposit HK$13.43M · loan HK$20.14M · min. income ≈ HK$215,392/mo (50% DSR)
Upfront cash ≈ HK$14.85M (deposit + AVD stamp duty HK$1,426,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,152
−HK$6,719/mo
▼ 0.25% · 3.875%
HK$110,485
−HK$3,386/mo
Today · 4.125%
HK$113,871
baseline
▲ 0.50% · 4.625%
HK$120,800
+HK$6,929/mo
Deposit HK$10.07M · loan HK$23.50M · min. income ≈ HK$227,742/mo (50% DSR)
Upfront cash ≈ HK$11.50M (deposit + AVD stamp duty HK$1,426,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,205
−HK$6,440/mo
▼ 0.25% · 3.875%
HK$122,402
−HK$3,243/mo
Today · 4.125%
HK$125,645
baseline
▲ 0.50% · 4.625%
HK$132,268
+HK$6,623/mo
Deposit HK$10.07M · loan HK$23.50M · min. income ≈ HK$251,290/mo (50% DSR)
Upfront cash ≈ HK$11.50M (deposit + AVD stamp duty HK$1,426,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,766
−HK$8,639/mo
▼ 0.25% · 3.875%
HK$142,052
−HK$4,353/mo
Today · 4.125%
HK$146,405
baseline
▲ 0.50% · 4.625%
HK$155,314
+HK$8,909/mo
Deposit HK$3.36M · loan HK$30.21M · min. income ≈ HK$292,810/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$1,426,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,264
−HK$8,280/mo
▼ 0.25% · 3.875%
HK$157,374
−HK$4,170/mo
Today · 4.125%
HK$161,544
baseline
▲ 0.50% · 4.625%
HK$170,059
+HK$8,515/mo
Deposit HK$3.36M · loan HK$30.21M · min. income ≈ HK$323,088/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$1,426,514 · Scale 2, in force from 26 Feb 2026)