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$76,611
−HK$4,805/mo
▼ 0.25% · 3.875%
HK$78,994
−HK$2,422/mo
Today · 4.125%
HK$81,416
baseline
▲ 0.50% · 4.625%
HK$86,369
+HK$4,953/mo
Deposit HK$16.80M · loan HK$16.80M · min. income ≈ HK$162,832/mo (50% DSR)
Upfront cash ≈ HK$18.23M (deposit + AVD stamp duty HK$1,427,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,229
−HK$4,605/mo
▼ 0.25% · 3.875%
HK$87,515
−HK$2,319/mo
Today · 4.125%
HK$89,834
baseline
▲ 0.50% · 4.625%
HK$94,569
+HK$4,735/mo
Deposit HK$16.80M · loan HK$16.80M · min. income ≈ HK$179,668/mo (50% DSR)
Upfront cash ≈ HK$18.23M (deposit + AVD stamp duty HK$1,427,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,934
−HK$5,765/mo
▼ 0.25% · 3.875%
HK$94,793
−HK$2,906/mo
Today · 4.125%
HK$97,699
baseline
▲ 0.50% · 4.625%
HK$103,643
+HK$5,944/mo
Deposit HK$13.44M · loan HK$20.16M · min. income ≈ HK$195,398/mo (50% DSR)
Upfront cash ≈ HK$14.87M (deposit + AVD stamp duty HK$1,427,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,275
−HK$5,526/mo
▼ 0.25% · 3.875%
HK$105,018
−HK$2,783/mo
Today · 4.125%
HK$107,801
baseline
▲ 0.50% · 4.625%
HK$113,483
+HK$5,682/mo
Deposit HK$13.44M · loan HK$20.16M · min. income ≈ HK$215,602/mo (50% DSR)
Upfront cash ≈ HK$14.87M (deposit + AVD stamp duty HK$1,427,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,256
−HK$6,726/mo
▼ 0.25% · 3.875%
HK$110,592
−HK$3,390/mo
Today · 4.125%
HK$113,982
baseline
▲ 0.50% · 4.625%
HK$120,917
+HK$6,935/mo
Deposit HK$10.08M · loan HK$23.52M · min. income ≈ HK$227,964/mo (50% DSR)
Upfront cash ≈ HK$11.51M (deposit + AVD stamp duty HK$1,427,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,321
−HK$6,447/mo
▼ 0.25% · 3.875%
HK$122,521
−HK$3,247/mo
Today · 4.125%
HK$125,768
baseline
▲ 0.50% · 4.625%
HK$132,397
+HK$6,629/mo
Deposit HK$10.08M · loan HK$23.52M · min. income ≈ HK$251,536/mo (50% DSR)
Upfront cash ≈ HK$11.51M (deposit + AVD stamp duty HK$1,427,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,900
−HK$8,648/mo
▼ 0.25% · 3.875%
HK$142,190
−HK$4,358/mo
Today · 4.125%
HK$146,548
baseline
▲ 0.50% · 4.625%
HK$155,465
+HK$8,917/mo
Deposit HK$3.36M · loan HK$30.24M · min. income ≈ HK$293,096/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$1,427,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,413
−HK$8,288/mo
▼ 0.25% · 3.875%
HK$157,527
−HK$4,174/mo
Today · 4.125%
HK$161,701
baseline
▲ 0.50% · 4.625%
HK$170,225
+HK$8,524/mo
Deposit HK$3.36M · loan HK$30.24M · min. income ≈ HK$323,402/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$1,427,902 · Scale 2, in force from 26 Feb 2026)