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$76,654
−HK$4,806/mo
▼ 0.25% · 3.875%
HK$79,038
−HK$2,422/mo
Today · 4.125%
HK$81,460
baseline
▲ 0.50% · 4.625%
HK$86,417
+HK$4,957/mo
Deposit HK$16.81M · loan HK$16.81M · min. income ≈ HK$162,920/mo (50% DSR)
Upfront cash ≈ HK$18.24M (deposit + AVD stamp duty HK$1,428,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,276
−HK$4,608/mo
▼ 0.25% · 3.875%
HK$87,563
−HK$2,321/mo
Today · 4.125%
HK$89,884
baseline
▲ 0.50% · 4.625%
HK$94,621
+HK$4,737/mo
Deposit HK$16.81M · loan HK$16.81M · min. income ≈ HK$179,768/mo (50% DSR)
Upfront cash ≈ HK$18.24M (deposit + AVD stamp duty HK$1,428,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,984
−HK$5,769/mo
▼ 0.25% · 3.875%
HK$94,846
−HK$2,907/mo
Today · 4.125%
HK$97,753
baseline
▲ 0.50% · 4.625%
HK$103,701
+HK$5,948/mo
Deposit HK$13.45M · loan HK$20.17M · min. income ≈ HK$195,506/mo (50% DSR)
Upfront cash ≈ HK$14.88M (deposit + AVD stamp duty HK$1,428,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,332
−HK$5,528/mo
▼ 0.25% · 3.875%
HK$105,076
−HK$2,784/mo
Today · 4.125%
HK$107,860
baseline
▲ 0.50% · 4.625%
HK$113,546
+HK$5,686/mo
Deposit HK$13.45M · loan HK$20.17M · min. income ≈ HK$215,720/mo (50% DSR)
Upfront cash ≈ HK$14.88M (deposit + AVD stamp duty HK$1,428,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,315
−HK$6,730/mo
▼ 0.25% · 3.875%
HK$110,653
−HK$3,392/mo
Today · 4.125%
HK$114,045
baseline
▲ 0.50% · 4.625%
HK$120,984
+HK$6,939/mo
Deposit HK$10.08M · loan HK$23.53M · min. income ≈ HK$228,090/mo (50% DSR)
Upfront cash ≈ HK$11.51M (deposit + AVD stamp duty HK$1,428,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,387
−HK$6,450/mo
▼ 0.25% · 3.875%
HK$122,589
−HK$3,248/mo
Today · 4.125%
HK$125,837
baseline
▲ 0.50% · 4.625%
HK$132,470
+HK$6,633/mo
Deposit HK$10.08M · loan HK$23.53M · min. income ≈ HK$251,674/mo (50% DSR)
Upfront cash ≈ HK$11.51M (deposit + AVD stamp duty HK$1,428,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,976
−HK$8,653/mo
▼ 0.25% · 3.875%
HK$142,268
−HK$4,361/mo
Today · 4.125%
HK$146,629
baseline
▲ 0.50% · 4.625%
HK$155,551
+HK$8,922/mo
Deposit HK$3.36M · loan HK$30.25M · min. income ≈ HK$293,258/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$1,428,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,497
−HK$8,293/mo
▼ 0.25% · 3.875%
HK$157,614
−HK$4,176/mo
Today · 4.125%
HK$161,790
baseline
▲ 0.50% · 4.625%
HK$170,319
+HK$8,529/mo
Deposit HK$3.36M · loan HK$30.25M · min. income ≈ HK$323,580/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$1,428,689 · Scale 2, in force from 26 Feb 2026)