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$76,588
−HK$4,803/mo
▼ 0.25% · 3.875%
HK$78,971
−HK$2,420/mo
Today · 4.125%
HK$81,391
baseline
▲ 0.50% · 4.625%
HK$86,344
+HK$4,953/mo
Deposit HK$16.79M · loan HK$16.79M · min. income ≈ HK$162,782/mo (50% DSR)
Upfront cash ≈ HK$18.22M (deposit + AVD stamp duty HK$1,427,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,204
−HK$4,603/mo
▼ 0.25% · 3.875%
HK$87,489
−HK$2,318/mo
Today · 4.125%
HK$89,807
baseline
▲ 0.50% · 4.625%
HK$94,541
+HK$4,734/mo
Deposit HK$16.79M · loan HK$16.79M · min. income ≈ HK$179,614/mo (50% DSR)
Upfront cash ≈ HK$18.22M (deposit + AVD stamp duty HK$1,427,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,906
−HK$5,763/mo
▼ 0.25% · 3.875%
HK$94,765
−HK$2,904/mo
Today · 4.125%
HK$97,669
baseline
▲ 0.50% · 4.625%
HK$103,612
+HK$5,943/mo
Deposit HK$13.44M · loan HK$20.15M · min. income ≈ HK$195,338/mo (50% DSR)
Upfront cash ≈ HK$14.86M (deposit + AVD stamp duty HK$1,427,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,245
−HK$5,524/mo
▼ 0.25% · 3.875%
HK$104,987
−HK$2,782/mo
Today · 4.125%
HK$107,769
baseline
▲ 0.50% · 4.625%
HK$113,449
+HK$5,680/mo
Deposit HK$13.44M · loan HK$20.15M · min. income ≈ HK$215,538/mo (50% DSR)
Upfront cash ≈ HK$14.86M (deposit + AVD stamp duty HK$1,427,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,224
−HK$6,724/mo
▼ 0.25% · 3.875%
HK$110,559
−HK$3,389/mo
Today · 4.125%
HK$113,948
baseline
▲ 0.50% · 4.625%
HK$120,881
+HK$6,933/mo
Deposit HK$10.08M · loan HK$23.51M · min. income ≈ HK$227,896/mo (50% DSR)
Upfront cash ≈ HK$11.50M (deposit + AVD stamp duty HK$1,427,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,285
−HK$6,445/mo
▼ 0.25% · 3.875%
HK$122,485
−HK$3,245/mo
Today · 4.125%
HK$125,730
baseline
▲ 0.50% · 4.625%
HK$132,357
+HK$6,627/mo
Deposit HK$10.08M · loan HK$23.51M · min. income ≈ HK$251,460/mo (50% DSR)
Upfront cash ≈ HK$11.50M (deposit + AVD stamp duty HK$1,427,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,859
−HK$8,645/mo
▼ 0.25% · 3.875%
HK$142,147
−HK$4,357/mo
Today · 4.125%
HK$146,504
baseline
▲ 0.50% · 4.625%
HK$155,419
+HK$8,915/mo
Deposit HK$3.36M · loan HK$30.23M · min. income ≈ HK$293,008/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$1,427,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,367
−HK$8,286/mo
▼ 0.25% · 3.875%
HK$157,480
−HK$4,173/mo
Today · 4.125%
HK$161,653
baseline
▲ 0.50% · 4.625%
HK$170,174
+HK$8,521/mo
Deposit HK$3.36M · loan HK$30.23M · min. income ≈ HK$323,306/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$1,427,475 · Scale 2, in force from 26 Feb 2026)