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$76,590
−HK$4,803/mo
▼ 0.25% · 3.875%
HK$78,972
−HK$2,421/mo
Today · 4.125%
HK$81,393
baseline
▲ 0.50% · 4.625%
HK$86,345
+HK$4,952/mo
Deposit HK$16.79M · loan HK$16.79M · min. income ≈ HK$162,786/mo (50% DSR)
Upfront cash ≈ HK$18.22M (deposit + AVD stamp duty HK$1,427,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,205
−HK$4,604/mo
▼ 0.25% · 3.875%
HK$87,490
−HK$2,319/mo
Today · 4.125%
HK$89,809
baseline
▲ 0.50% · 4.625%
HK$94,543
+HK$4,734/mo
Deposit HK$16.79M · loan HK$16.79M · min. income ≈ HK$179,618/mo (50% DSR)
Upfront cash ≈ HK$18.22M (deposit + AVD stamp duty HK$1,427,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,908
−HK$5,763/mo
▼ 0.25% · 3.875%
HK$94,767
−HK$2,904/mo
Today · 4.125%
HK$97,671
baseline
▲ 0.50% · 4.625%
HK$103,614
+HK$5,943/mo
Deposit HK$13.44M · loan HK$20.15M · min. income ≈ HK$195,342/mo (50% DSR)
Upfront cash ≈ HK$14.86M (deposit + AVD stamp duty HK$1,427,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,246
−HK$5,524/mo
▼ 0.25% · 3.875%
HK$104,989
−HK$2,781/mo
Today · 4.125%
HK$107,770
baseline
▲ 0.50% · 4.625%
HK$113,451
+HK$5,681/mo
Deposit HK$13.44M · loan HK$20.15M · min. income ≈ HK$215,540/mo (50% DSR)
Upfront cash ≈ HK$14.86M (deposit + AVD stamp duty HK$1,427,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,226
−HK$6,724/mo
▼ 0.25% · 3.875%
HK$110,561
−HK$3,389/mo
Today · 4.125%
HK$113,950
baseline
▲ 0.50% · 4.625%
HK$120,883
+HK$6,933/mo
Deposit HK$10.08M · loan HK$23.51M · min. income ≈ HK$227,900/mo (50% DSR)
Upfront cash ≈ HK$11.50M (deposit + AVD stamp duty HK$1,427,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,287
−HK$6,445/mo
▼ 0.25% · 3.875%
HK$122,487
−HK$3,245/mo
Today · 4.125%
HK$125,732
baseline
▲ 0.50% · 4.625%
HK$132,360
+HK$6,628/mo
Deposit HK$10.08M · loan HK$23.51M · min. income ≈ HK$251,464/mo (50% DSR)
Upfront cash ≈ HK$11.50M (deposit + AVD stamp duty HK$1,427,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,861
−HK$8,646/mo
▼ 0.25% · 3.875%
HK$142,150
−HK$4,357/mo
Today · 4.125%
HK$146,507
baseline
▲ 0.50% · 4.625%
HK$155,421
+HK$8,914/mo
Deposit HK$3.36M · loan HK$30.23M · min. income ≈ HK$293,014/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$1,427,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,370
−HK$8,286/mo
▼ 0.25% · 3.875%
HK$157,483
−HK$4,173/mo
Today · 4.125%
HK$161,656
baseline
▲ 0.50% · 4.625%
HK$170,177
+HK$8,521/mo
Deposit HK$3.36M · loan HK$30.23M · min. income ≈ HK$323,312/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$1,427,499 · Scale 2, in force from 26 Feb 2026)