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$76,585
−HK$4,803/mo
▼ 0.25% · 3.875%
HK$78,968
−HK$2,420/mo
Today · 4.125%
HK$81,388
baseline
▲ 0.50% · 4.625%
HK$86,340
+HK$4,952/mo
Deposit HK$16.79M · loan HK$16.79M · min. income ≈ HK$162,776/mo (50% DSR)
Upfront cash ≈ HK$18.22M (deposit + AVD stamp duty HK$1,427,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,201
−HK$4,603/mo
▼ 0.25% · 3.875%
HK$87,486
−HK$2,318/mo
Today · 4.125%
HK$89,804
baseline
▲ 0.50% · 4.625%
HK$94,537
+HK$4,733/mo
Deposit HK$16.79M · loan HK$16.79M · min. income ≈ HK$179,608/mo (50% DSR)
Upfront cash ≈ HK$18.22M (deposit + AVD stamp duty HK$1,427,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,902
−HK$5,764/mo
▼ 0.25% · 3.875%
HK$94,761
−HK$2,905/mo
Today · 4.125%
HK$97,666
baseline
▲ 0.50% · 4.625%
HK$103,608
+HK$5,942/mo
Deposit HK$13.43M · loan HK$20.15M · min. income ≈ HK$195,332/mo (50% DSR)
Upfront cash ≈ HK$14.86M (deposit + AVD stamp duty HK$1,427,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,241
−HK$5,523/mo
▼ 0.25% · 3.875%
HK$104,983
−HK$2,781/mo
Today · 4.125%
HK$107,764
baseline
▲ 0.50% · 4.625%
HK$113,445
+HK$5,681/mo
Deposit HK$13.43M · loan HK$20.15M · min. income ≈ HK$215,528/mo (50% DSR)
Upfront cash ≈ HK$14.86M (deposit + AVD stamp duty HK$1,427,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,220
−HK$6,723/mo
▼ 0.25% · 3.875%
HK$110,555
−HK$3,388/mo
Today · 4.125%
HK$113,943
baseline
▲ 0.50% · 4.625%
HK$120,876
+HK$6,933/mo
Deposit HK$10.08M · loan HK$23.51M · min. income ≈ HK$227,886/mo (50% DSR)
Upfront cash ≈ HK$11.50M (deposit + AVD stamp duty HK$1,427,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,281
−HK$6,444/mo
▼ 0.25% · 3.875%
HK$122,480
−HK$3,245/mo
Today · 4.125%
HK$125,725
baseline
▲ 0.50% · 4.625%
HK$132,352
+HK$6,627/mo
Deposit HK$10.08M · loan HK$23.51M · min. income ≈ HK$251,450/mo (50% DSR)
Upfront cash ≈ HK$11.50M (deposit + AVD stamp duty HK$1,427,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,854
−HK$8,644/mo
▼ 0.25% · 3.875%
HK$142,142
−HK$4,356/mo
Today · 4.125%
HK$146,498
baseline
▲ 0.50% · 4.625%
HK$155,412
+HK$8,914/mo
Deposit HK$3.36M · loan HK$30.23M · min. income ≈ HK$292,996/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$1,427,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,361
−HK$8,286/mo
▼ 0.25% · 3.875%
HK$157,474
−HK$4,173/mo
Today · 4.125%
HK$161,647
baseline
▲ 0.50% · 4.625%
HK$170,167
+HK$8,520/mo
Deposit HK$3.36M · loan HK$30.23M · min. income ≈ HK$323,294/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$1,427,419 · Scale 2, in force from 26 Feb 2026)