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$76,631
−HK$4,806/mo
▼ 0.25% · 3.875%
HK$79,015
−HK$2,422/mo
Today · 4.125%
HK$81,437
baseline
▲ 0.50% · 4.625%
HK$86,392
+HK$4,955/mo
Deposit HK$16.80M · loan HK$16.80M · min. income ≈ HK$162,874/mo (50% DSR)
Upfront cash ≈ HK$18.23M (deposit + AVD stamp duty HK$1,428,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,252
−HK$4,606/mo
▼ 0.25% · 3.875%
HK$87,538
−HK$2,320/mo
Today · 4.125%
HK$89,858
baseline
▲ 0.50% · 4.625%
HK$94,594
+HK$4,736/mo
Deposit HK$16.80M · loan HK$16.80M · min. income ≈ HK$179,716/mo (50% DSR)
Upfront cash ≈ HK$18.23M (deposit + AVD stamp duty HK$1,428,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,958
−HK$5,766/mo
▼ 0.25% · 3.875%
HK$94,818
−HK$2,906/mo
Today · 4.125%
HK$97,724
baseline
▲ 0.50% · 4.625%
HK$103,671
+HK$5,947/mo
Deposit HK$13.44M · loan HK$20.16M · min. income ≈ HK$195,448/mo (50% DSR)
Upfront cash ≈ HK$14.87M (deposit + AVD stamp duty HK$1,428,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,302
−HK$5,527/mo
▼ 0.25% · 3.875%
HK$105,046
−HK$2,783/mo
Today · 4.125%
HK$107,829
baseline
▲ 0.50% · 4.625%
HK$113,513
+HK$5,684/mo
Deposit HK$13.44M · loan HK$20.16M · min. income ≈ HK$215,658/mo (50% DSR)
Upfront cash ≈ HK$14.87M (deposit + AVD stamp duty HK$1,428,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,284
−HK$6,728/mo
▼ 0.25% · 3.875%
HK$110,621
−HK$3,391/mo
Today · 4.125%
HK$114,012
baseline
▲ 0.50% · 4.625%
HK$120,949
+HK$6,937/mo
Deposit HK$10.08M · loan HK$23.52M · min. income ≈ HK$228,024/mo (50% DSR)
Upfront cash ≈ HK$11.51M (deposit + AVD stamp duty HK$1,428,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,352
−HK$6,449/mo
▼ 0.25% · 3.875%
HK$122,553
−HK$3,248/mo
Today · 4.125%
HK$125,801
baseline
▲ 0.50% · 4.625%
HK$132,432
+HK$6,631/mo
Deposit HK$10.08M · loan HK$23.52M · min. income ≈ HK$251,602/mo (50% DSR)
Upfront cash ≈ HK$11.51M (deposit + AVD stamp duty HK$1,428,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,937
−HK$8,649/mo
▼ 0.25% · 3.875%
HK$142,227
−HK$4,359/mo
Today · 4.125%
HK$146,586
baseline
▲ 0.50% · 4.625%
HK$155,506
+HK$8,920/mo
Deposit HK$3.36M · loan HK$30.25M · min. income ≈ HK$293,172/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$1,428,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,453
−HK$8,291/mo
▼ 0.25% · 3.875%
HK$157,569
−HK$4,175/mo
Today · 4.125%
HK$161,744
baseline
▲ 0.50% · 4.625%
HK$170,269
+HK$8,525/mo
Deposit HK$3.36M · loan HK$30.25M · min. income ≈ HK$323,488/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$1,428,277 · Scale 2, in force from 26 Feb 2026)