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$76,498
−HK$4,797/mo
▼ 0.25% · 3.875%
HK$78,878
−HK$2,417/mo
Today · 4.125%
HK$81,295
baseline
▲ 0.50% · 4.625%
HK$86,242
+HK$4,947/mo
Deposit HK$16.77M · loan HK$16.77M · min. income ≈ HK$162,590/mo (50% DSR)
Upfront cash ≈ HK$18.20M (deposit + AVD stamp duty HK$1,425,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,103
−HK$4,598/mo
▼ 0.25% · 3.875%
HK$87,386
−HK$2,315/mo
Today · 4.125%
HK$89,701
baseline
▲ 0.50% · 4.625%
HK$94,430
+HK$4,729/mo
Deposit HK$16.77M · loan HK$16.77M · min. income ≈ HK$179,402/mo (50% DSR)
Upfront cash ≈ HK$18.20M (deposit + AVD stamp duty HK$1,425,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,798
−HK$5,756/mo
▼ 0.25% · 3.875%
HK$94,653
−HK$2,901/mo
Today · 4.125%
HK$97,554
baseline
▲ 0.50% · 4.625%
HK$103,490
+HK$5,936/mo
Deposit HK$13.42M · loan HK$20.13M · min. income ≈ HK$195,108/mo (50% DSR)
Upfront cash ≈ HK$14.85M (deposit + AVD stamp duty HK$1,425,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,124
−HK$5,517/mo
▼ 0.25% · 3.875%
HK$104,863
−HK$2,778/mo
Today · 4.125%
HK$107,641
baseline
▲ 0.50% · 4.625%
HK$113,315
+HK$5,674/mo
Deposit HK$13.42M · loan HK$20.13M · min. income ≈ HK$215,282/mo (50% DSR)
Upfront cash ≈ HK$14.85M (deposit + AVD stamp duty HK$1,425,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,097
−HK$6,716/mo
▼ 0.25% · 3.875%
HK$110,429
−HK$3,384/mo
Today · 4.125%
HK$113,813
baseline
▲ 0.50% · 4.625%
HK$120,739
+HK$6,926/mo
Deposit HK$10.06M · loan HK$23.48M · min. income ≈ HK$227,626/mo (50% DSR)
Upfront cash ≈ HK$11.49M (deposit + AVD stamp duty HK$1,425,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,145
−HK$6,437/mo
▼ 0.25% · 3.875%
HK$122,340
−HK$3,242/mo
Today · 4.125%
HK$125,582
baseline
▲ 0.50% · 4.625%
HK$132,201
+HK$6,619/mo
Deposit HK$10.06M · loan HK$23.48M · min. income ≈ HK$251,164/mo (50% DSR)
Upfront cash ≈ HK$11.49M (deposit + AVD stamp duty HK$1,425,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,697
−HK$8,634/mo
▼ 0.25% · 3.875%
HK$141,980
−HK$4,351/mo
Today · 4.125%
HK$146,331
baseline
▲ 0.50% · 4.625%
HK$155,235
+HK$8,904/mo
Deposit HK$3.35M · loan HK$30.19M · min. income ≈ HK$292,662/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$1,425,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,186
−HK$8,276/mo
▼ 0.25% · 3.875%
HK$157,294
−HK$4,168/mo
Today · 4.125%
HK$161,462
baseline
▲ 0.50% · 4.625%
HK$169,973
+HK$8,511/mo
Deposit HK$3.35M · loan HK$30.19M · min. income ≈ HK$322,924/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$1,425,791 · Scale 2, in force from 26 Feb 2026)