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$76,594
−HK$4,803/mo
▼ 0.25% · 3.875%
HK$78,977
−HK$2,420/mo
Today · 4.125%
HK$81,397
baseline
▲ 0.50% · 4.625%
HK$86,350
+HK$4,953/mo
Deposit HK$16.80M · loan HK$16.80M · min. income ≈ HK$162,794/mo (50% DSR)
Upfront cash ≈ HK$18.22M (deposit + AVD stamp duty HK$1,427,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,210
−HK$4,604/mo
▼ 0.25% · 3.875%
HK$87,495
−HK$2,319/mo
Today · 4.125%
HK$89,814
baseline
▲ 0.50% · 4.625%
HK$94,548
+HK$4,734/mo
Deposit HK$16.80M · loan HK$16.80M · min. income ≈ HK$179,628/mo (50% DSR)
Upfront cash ≈ HK$18.22M (deposit + AVD stamp duty HK$1,427,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,913
−HK$5,764/mo
▼ 0.25% · 3.875%
HK$94,772
−HK$2,905/mo
Today · 4.125%
HK$97,677
baseline
▲ 0.50% · 4.625%
HK$103,620
+HK$5,943/mo
Deposit HK$13.44M · loan HK$20.15M · min. income ≈ HK$195,354/mo (50% DSR)
Upfront cash ≈ HK$14.86M (deposit + AVD stamp duty HK$1,427,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,252
−HK$5,525/mo
▼ 0.25% · 3.875%
HK$104,995
−HK$2,782/mo
Today · 4.125%
HK$107,777
baseline
▲ 0.50% · 4.625%
HK$113,458
+HK$5,681/mo
Deposit HK$13.44M · loan HK$20.15M · min. income ≈ HK$215,554/mo (50% DSR)
Upfront cash ≈ HK$14.86M (deposit + AVD stamp duty HK$1,427,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,232
−HK$6,724/mo
▼ 0.25% · 3.875%
HK$110,567
−HK$3,389/mo
Today · 4.125%
HK$113,956
baseline
▲ 0.50% · 4.625%
HK$120,890
+HK$6,934/mo
Deposit HK$10.08M · loan HK$23.51M · min. income ≈ HK$227,912/mo (50% DSR)
Upfront cash ≈ HK$11.50M (deposit + AVD stamp duty HK$1,427,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,294
−HK$6,445/mo
▼ 0.25% · 3.875%
HK$122,494
−HK$3,245/mo
Today · 4.125%
HK$125,739
baseline
▲ 0.50% · 4.625%
HK$132,367
+HK$6,628/mo
Deposit HK$10.08M · loan HK$23.51M · min. income ≈ HK$251,478/mo (50% DSR)
Upfront cash ≈ HK$11.50M (deposit + AVD stamp duty HK$1,427,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,869
−HK$8,646/mo
▼ 0.25% · 3.875%
HK$142,158
−HK$4,357/mo
Today · 4.125%
HK$146,515
baseline
▲ 0.50% · 4.625%
HK$155,430
+HK$8,915/mo
Deposit HK$3.36M · loan HK$30.23M · min. income ≈ HK$293,030/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$1,427,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,378
−HK$8,287/mo
▼ 0.25% · 3.875%
HK$157,492
−HK$4,173/mo
Today · 4.125%
HK$161,665
baseline
▲ 0.50% · 4.625%
HK$170,186
+HK$8,521/mo
Deposit HK$3.36M · loan HK$30.23M · min. income ≈ HK$323,330/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$1,427,580 · Scale 2, in force from 26 Feb 2026)