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$76,471
−HK$4,796/mo
▼ 0.25% · 3.875%
HK$78,850
−HK$2,417/mo
Today · 4.125%
HK$81,267
baseline
▲ 0.50% · 4.625%
HK$86,211
+HK$4,944/mo
Deposit HK$16.77M · loan HK$16.77M · min. income ≈ HK$162,534/mo (50% DSR)
Upfront cash ≈ HK$18.19M (deposit + AVD stamp duty HK$1,425,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,073
−HK$4,597/mo
▼ 0.25% · 3.875%
HK$87,355
−HK$2,315/mo
Today · 4.125%
HK$89,670
baseline
▲ 0.50% · 4.625%
HK$94,396
+HK$4,726/mo
Deposit HK$16.77M · loan HK$16.77M · min. income ≈ HK$179,340/mo (50% DSR)
Upfront cash ≈ HK$18.19M (deposit + AVD stamp duty HK$1,425,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,765
−HK$5,755/mo
▼ 0.25% · 3.875%
HK$94,620
−HK$2,900/mo
Today · 4.125%
HK$97,520
baseline
▲ 0.50% · 4.625%
HK$103,454
+HK$5,934/mo
Deposit HK$13.41M · loan HK$20.12M · min. income ≈ HK$195,040/mo (50% DSR)
Upfront cash ≈ HK$14.84M (deposit + AVD stamp duty HK$1,425,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,088
−HK$5,516/mo
▼ 0.25% · 3.875%
HK$104,826
−HK$2,778/mo
Today · 4.125%
HK$107,604
baseline
▲ 0.50% · 4.625%
HK$113,275
+HK$5,671/mo
Deposit HK$13.41M · loan HK$20.12M · min. income ≈ HK$215,208/mo (50% DSR)
Upfront cash ≈ HK$14.84M (deposit + AVD stamp duty HK$1,425,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,060
−HK$6,713/mo
▼ 0.25% · 3.875%
HK$110,390
−HK$3,383/mo
Today · 4.125%
HK$113,773
baseline
▲ 0.50% · 4.625%
HK$120,696
+HK$6,923/mo
Deposit HK$10.06M · loan HK$23.48M · min. income ≈ HK$227,546/mo (50% DSR)
Upfront cash ≈ HK$11.49M (deposit + AVD stamp duty HK$1,425,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,103
−HK$6,434/mo
▼ 0.25% · 3.875%
HK$122,297
−HK$3,240/mo
Today · 4.125%
HK$125,537
baseline
▲ 0.50% · 4.625%
HK$132,155
+HK$6,618/mo
Deposit HK$10.06M · loan HK$23.48M · min. income ≈ HK$251,074/mo (50% DSR)
Upfront cash ≈ HK$11.49M (deposit + AVD stamp duty HK$1,425,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,648
−HK$8,632/mo
▼ 0.25% · 3.875%
HK$141,930
−HK$4,350/mo
Today · 4.125%
HK$146,280
baseline
▲ 0.50% · 4.625%
HK$155,181
+HK$8,901/mo
Deposit HK$3.35M · loan HK$30.18M · min. income ≈ HK$292,560/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$1,425,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,132
−HK$8,273/mo
▼ 0.25% · 3.875%
HK$157,239
−HK$4,166/mo
Today · 4.125%
HK$161,405
baseline
▲ 0.50% · 4.625%
HK$169,913
+HK$8,508/mo
Deposit HK$3.35M · loan HK$30.18M · min. income ≈ HK$322,810/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$1,425,289 · Scale 2, in force from 26 Feb 2026)