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$76,570
−HK$4,802/mo
▼ 0.25% · 3.875%
HK$78,952
−HK$2,420/mo
Today · 4.125%
HK$81,372
baseline
▲ 0.50% · 4.625%
HK$86,323
+HK$4,951/mo
Deposit HK$16.79M · loan HK$16.79M · min. income ≈ HK$162,744/mo (50% DSR)
Upfront cash ≈ HK$18.22M (deposit + AVD stamp duty HK$1,427,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,184
−HK$4,602/mo
▼ 0.25% · 3.875%
HK$87,468
−HK$2,318/mo
Today · 4.125%
HK$89,786
baseline
▲ 0.50% · 4.625%
HK$94,519
+HK$4,733/mo
Deposit HK$16.79M · loan HK$16.79M · min. income ≈ HK$179,572/mo (50% DSR)
Upfront cash ≈ HK$18.22M (deposit + AVD stamp duty HK$1,427,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,884
−HK$5,762/mo
▼ 0.25% · 3.875%
HK$94,743
−HK$2,903/mo
Today · 4.125%
HK$97,646
baseline
▲ 0.50% · 4.625%
HK$103,588
+HK$5,942/mo
Deposit HK$13.43M · loan HK$20.15M · min. income ≈ HK$195,292/mo (50% DSR)
Upfront cash ≈ HK$14.86M (deposit + AVD stamp duty HK$1,427,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,220
−HK$5,523/mo
▼ 0.25% · 3.875%
HK$104,962
−HK$2,781/mo
Today · 4.125%
HK$107,743
baseline
▲ 0.50% · 4.625%
HK$113,422
+HK$5,679/mo
Deposit HK$13.43M · loan HK$20.15M · min. income ≈ HK$215,486/mo (50% DSR)
Upfront cash ≈ HK$14.86M (deposit + AVD stamp duty HK$1,427,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,198
−HK$6,723/mo
▼ 0.25% · 3.875%
HK$110,533
−HK$3,388/mo
Today · 4.125%
HK$113,921
baseline
▲ 0.50% · 4.625%
HK$120,853
+HK$6,932/mo
Deposit HK$10.07M · loan HK$23.51M · min. income ≈ HK$227,842/mo (50% DSR)
Upfront cash ≈ HK$11.50M (deposit + AVD stamp duty HK$1,427,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,257
−HK$6,443/mo
▼ 0.25% · 3.875%
HK$122,456
−HK$3,244/mo
Today · 4.125%
HK$125,700
baseline
▲ 0.50% · 4.625%
HK$132,326
+HK$6,626/mo
Deposit HK$10.07M · loan HK$23.51M · min. income ≈ HK$251,400/mo (50% DSR)
Upfront cash ≈ HK$11.50M (deposit + AVD stamp duty HK$1,427,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,827
−HK$8,643/mo
▼ 0.25% · 3.875%
HK$142,114
−HK$4,356/mo
Today · 4.125%
HK$146,470
baseline
▲ 0.50% · 4.625%
HK$155,382
+HK$8,912/mo
Deposit HK$3.36M · loan HK$30.22M · min. income ≈ HK$292,940/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$1,427,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,331
−HK$8,284/mo
▼ 0.25% · 3.875%
HK$157,443
−HK$4,172/mo
Today · 4.125%
HK$161,615
baseline
▲ 0.50% · 4.625%
HK$170,134
+HK$8,519/mo
Deposit HK$3.36M · loan HK$30.22M · min. income ≈ HK$323,230/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$1,427,138 · Scale 2, in force from 26 Feb 2026)