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$76,519
−HK$4,798/mo
▼ 0.25% · 3.875%
HK$78,899
−HK$2,418/mo
Today · 4.125%
HK$81,317
baseline
▲ 0.50% · 4.625%
HK$86,265
+HK$4,948/mo
Deposit HK$16.78M · loan HK$16.78M · min. income ≈ HK$162,634/mo (50% DSR)
Upfront cash ≈ HK$18.20M (deposit + AVD stamp duty HK$1,426,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,126
−HK$4,599/mo
▼ 0.25% · 3.875%
HK$87,409
−HK$2,316/mo
Today · 4.125%
HK$89,725
baseline
▲ 0.50% · 4.625%
HK$94,455
+HK$4,730/mo
Deposit HK$16.78M · loan HK$16.78M · min. income ≈ HK$179,450/mo (50% DSR)
Upfront cash ≈ HK$18.20M (deposit + AVD stamp duty HK$1,426,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,822
−HK$5,758/mo
▼ 0.25% · 3.875%
HK$94,679
−HK$2,901/mo
Today · 4.125%
HK$97,580
baseline
▲ 0.50% · 4.625%
HK$103,518
+HK$5,938/mo
Deposit HK$13.42M · loan HK$20.13M · min. income ≈ HK$195,160/mo (50% DSR)
Upfront cash ≈ HK$14.85M (deposit + AVD stamp duty HK$1,426,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,152
−HK$5,518/mo
▼ 0.25% · 3.875%
HK$104,891
−HK$2,779/mo
Today · 4.125%
HK$107,670
baseline
▲ 0.50% · 4.625%
HK$113,346
+HK$5,676/mo
Deposit HK$13.42M · loan HK$20.13M · min. income ≈ HK$215,340/mo (50% DSR)
Upfront cash ≈ HK$14.85M (deposit + AVD stamp duty HK$1,426,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,126
−HK$6,718/mo
▼ 0.25% · 3.875%
HK$110,458
−HK$3,386/mo
Today · 4.125%
HK$113,844
baseline
▲ 0.50% · 4.625%
HK$120,771
+HK$6,927/mo
Deposit HK$10.07M · loan HK$23.49M · min. income ≈ HK$227,688/mo (50% DSR)
Upfront cash ≈ HK$11.49M (deposit + AVD stamp duty HK$1,426,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,177
−HK$6,439/mo
▼ 0.25% · 3.875%
HK$122,373
−HK$3,243/mo
Today · 4.125%
HK$125,616
baseline
▲ 0.50% · 4.625%
HK$132,237
+HK$6,621/mo
Deposit HK$10.07M · loan HK$23.49M · min. income ≈ HK$251,232/mo (50% DSR)
Upfront cash ≈ HK$11.49M (deposit + AVD stamp duty HK$1,426,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,734
−HK$8,637/mo
▼ 0.25% · 3.875%
HK$142,018
−HK$4,353/mo
Today · 4.125%
HK$146,371
baseline
▲ 0.50% · 4.625%
HK$155,277
+HK$8,906/mo
Deposit HK$3.36M · loan HK$30.20M · min. income ≈ HK$292,742/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$1,426,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,227
−HK$8,279/mo
▼ 0.25% · 3.875%
HK$157,337
−HK$4,169/mo
Today · 4.125%
HK$161,506
baseline
▲ 0.50% · 4.625%
HK$170,019
+HK$8,513/mo
Deposit HK$3.36M · loan HK$30.20M · min. income ≈ HK$323,012/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$1,426,175 · Scale 2, in force from 26 Feb 2026)