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$76,650
−HK$4,807/mo
▼ 0.25% · 3.875%
HK$79,034
−HK$2,423/mo
Today · 4.125%
HK$81,457
baseline
▲ 0.50% · 4.625%
HK$86,413
+HK$4,956/mo
Deposit HK$16.81M · loan HK$16.81M · min. income ≈ HK$162,914/mo (50% DSR)
Upfront cash ≈ HK$18.24M (deposit + AVD stamp duty HK$1,428,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,272
−HK$4,607/mo
▼ 0.25% · 3.875%
HK$87,559
−HK$2,320/mo
Today · 4.125%
HK$89,879
baseline
▲ 0.50% · 4.625%
HK$94,617
+HK$4,738/mo
Deposit HK$16.81M · loan HK$16.81M · min. income ≈ HK$179,758/mo (50% DSR)
Upfront cash ≈ HK$18.24M (deposit + AVD stamp duty HK$1,428,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,980
−HK$5,768/mo
▼ 0.25% · 3.875%
HK$94,841
−HK$2,907/mo
Today · 4.125%
HK$97,748
baseline
▲ 0.50% · 4.625%
HK$103,696
+HK$5,948/mo
Deposit HK$13.45M · loan HK$20.17M · min. income ≈ HK$195,496/mo (50% DSR)
Upfront cash ≈ HK$14.87M (deposit + AVD stamp duty HK$1,428,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,327
−HK$5,528/mo
▼ 0.25% · 3.875%
HK$105,071
−HK$2,784/mo
Today · 4.125%
HK$107,855
baseline
▲ 0.50% · 4.625%
HK$113,540
+HK$5,685/mo
Deposit HK$13.45M · loan HK$20.17M · min. income ≈ HK$215,710/mo (50% DSR)
Upfront cash ≈ HK$14.87M (deposit + AVD stamp duty HK$1,428,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,310
−HK$6,729/mo
▼ 0.25% · 3.875%
HK$110,648
−HK$3,391/mo
Today · 4.125%
HK$114,039
baseline
▲ 0.50% · 4.625%
HK$120,978
+HK$6,939/mo
Deposit HK$10.08M · loan HK$23.53M · min. income ≈ HK$228,078/mo (50% DSR)
Upfront cash ≈ HK$11.51M (deposit + AVD stamp duty HK$1,428,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,381
−HK$6,450/mo
▼ 0.25% · 3.875%
HK$122,583
−HK$3,248/mo
Today · 4.125%
HK$125,831
baseline
▲ 0.50% · 4.625%
HK$132,464
+HK$6,633/mo
Deposit HK$10.08M · loan HK$23.53M · min. income ≈ HK$251,662/mo (50% DSR)
Upfront cash ≈ HK$11.51M (deposit + AVD stamp duty HK$1,428,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,970
−HK$8,652/mo
▼ 0.25% · 3.875%
HK$142,262
−HK$4,360/mo
Today · 4.125%
HK$146,622
baseline
▲ 0.50% · 4.625%
HK$155,543
+HK$8,921/mo
Deposit HK$3.36M · loan HK$30.25M · min. income ≈ HK$293,244/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$1,428,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,490
−HK$8,293/mo
▼ 0.25% · 3.875%
HK$157,607
−HK$4,176/mo
Today · 4.125%
HK$161,783
baseline
▲ 0.50% · 4.625%
HK$170,311
+HK$8,528/mo
Deposit HK$3.36M · loan HK$30.25M · min. income ≈ HK$323,566/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$1,428,622 · Scale 2, in force from 26 Feb 2026)