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$76,607
−HK$4,804/mo
▼ 0.25% · 3.875%
HK$78,990
−HK$2,421/mo
Today · 4.125%
HK$81,411
baseline
▲ 0.50% · 4.625%
HK$86,365
+HK$4,954/mo
Deposit HK$16.80M · loan HK$16.80M · min. income ≈ HK$162,822/mo (50% DSR)
Upfront cash ≈ HK$18.23M (deposit + AVD stamp duty HK$1,427,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,225
−HK$4,604/mo
▼ 0.25% · 3.875%
HK$87,511
−HK$2,318/mo
Today · 4.125%
HK$89,829
baseline
▲ 0.50% · 4.625%
HK$94,565
+HK$4,736/mo
Deposit HK$16.80M · loan HK$16.80M · min. income ≈ HK$179,658/mo (50% DSR)
Upfront cash ≈ HK$18.23M (deposit + AVD stamp duty HK$1,427,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,929
−HK$5,765/mo
▼ 0.25% · 3.875%
HK$94,788
−HK$2,906/mo
Today · 4.125%
HK$97,694
baseline
▲ 0.50% · 4.625%
HK$103,638
+HK$5,944/mo
Deposit HK$13.44M · loan HK$20.16M · min. income ≈ HK$195,388/mo (50% DSR)
Upfront cash ≈ HK$14.87M (deposit + AVD stamp duty HK$1,427,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,270
−HK$5,525/mo
▼ 0.25% · 3.875%
HK$105,013
−HK$2,782/mo
Today · 4.125%
HK$107,795
baseline
▲ 0.50% · 4.625%
HK$113,477
+HK$5,682/mo
Deposit HK$13.44M · loan HK$20.16M · min. income ≈ HK$215,590/mo (50% DSR)
Upfront cash ≈ HK$14.87M (deposit + AVD stamp duty HK$1,427,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,250
−HK$6,726/mo
▼ 0.25% · 3.875%
HK$110,587
−HK$3,389/mo
Today · 4.125%
HK$113,976
baseline
▲ 0.50% · 4.625%
HK$120,911
+HK$6,935/mo
Deposit HK$10.08M · loan HK$23.52M · min. income ≈ HK$227,952/mo (50% DSR)
Upfront cash ≈ HK$11.51M (deposit + AVD stamp duty HK$1,427,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,315
−HK$6,446/mo
▼ 0.25% · 3.875%
HK$122,515
−HK$3,246/mo
Today · 4.125%
HK$125,761
baseline
▲ 0.50% · 4.625%
HK$132,390
+HK$6,629/mo
Deposit HK$10.08M · loan HK$23.52M · min. income ≈ HK$251,522/mo (50% DSR)
Upfront cash ≈ HK$11.51M (deposit + AVD stamp duty HK$1,427,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,893
−HK$8,648/mo
▼ 0.25% · 3.875%
HK$142,183
−HK$4,358/mo
Today · 4.125%
HK$146,541
baseline
▲ 0.50% · 4.625%
HK$155,457
+HK$8,916/mo
Deposit HK$3.36M · loan HK$30.24M · min. income ≈ HK$293,082/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$1,427,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,405
−HK$8,288/mo
▼ 0.25% · 3.875%
HK$157,519
−HK$4,174/mo
Today · 4.125%
HK$161,693
baseline
▲ 0.50% · 4.625%
HK$170,216
+HK$8,523/mo
Deposit HK$3.36M · loan HK$30.24M · min. income ≈ HK$323,386/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$1,427,830 · Scale 2, in force from 26 Feb 2026)