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$76,491
−HK$4,797/mo
▼ 0.25% · 3.875%
HK$78,871
−HK$2,417/mo
Today · 4.125%
HK$81,288
baseline
▲ 0.50% · 4.625%
HK$86,234
+HK$4,946/mo
Deposit HK$16.77M · loan HK$16.77M · min. income ≈ HK$162,576/mo (50% DSR)
Upfront cash ≈ HK$18.20M (deposit + AVD stamp duty HK$1,425,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,096
−HK$4,597/mo
▼ 0.25% · 3.875%
HK$87,378
−HK$2,315/mo
Today · 4.125%
HK$89,693
baseline
▲ 0.50% · 4.625%
HK$94,421
+HK$4,728/mo
Deposit HK$16.77M · loan HK$16.77M · min. income ≈ HK$179,386/mo (50% DSR)
Upfront cash ≈ HK$18.20M (deposit + AVD stamp duty HK$1,425,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,790
−HK$5,756/mo
▼ 0.25% · 3.875%
HK$94,645
−HK$2,901/mo
Today · 4.125%
HK$97,546
baseline
▲ 0.50% · 4.625%
HK$103,481
+HK$5,935/mo
Deposit HK$13.42M · loan HK$20.13M · min. income ≈ HK$195,092/mo (50% DSR)
Upfront cash ≈ HK$14.84M (deposit + AVD stamp duty HK$1,425,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,115
−HK$5,517/mo
▼ 0.25% · 3.875%
HK$104,854
−HK$2,778/mo
Today · 4.125%
HK$107,632
baseline
▲ 0.50% · 4.625%
HK$113,305
+HK$5,673/mo
Deposit HK$13.42M · loan HK$20.13M · min. income ≈ HK$215,264/mo (50% DSR)
Upfront cash ≈ HK$14.84M (deposit + AVD stamp duty HK$1,425,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,088
−HK$6,715/mo
▼ 0.25% · 3.875%
HK$110,419
−HK$3,384/mo
Today · 4.125%
HK$113,803
baseline
▲ 0.50% · 4.625%
HK$120,728
+HK$6,925/mo
Deposit HK$10.06M · loan HK$23.48M · min. income ≈ HK$227,606/mo (50% DSR)
Upfront cash ≈ HK$11.49M (deposit + AVD stamp duty HK$1,425,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,134
−HK$6,437/mo
▼ 0.25% · 3.875%
HK$122,329
−HK$3,242/mo
Today · 4.125%
HK$125,571
baseline
▲ 0.50% · 4.625%
HK$132,190
+HK$6,619/mo
Deposit HK$10.06M · loan HK$23.48M · min. income ≈ HK$251,142/mo (50% DSR)
Upfront cash ≈ HK$11.49M (deposit + AVD stamp duty HK$1,425,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,684
−HK$8,634/mo
▼ 0.25% · 3.875%
HK$141,967
−HK$4,351/mo
Today · 4.125%
HK$146,318
baseline
▲ 0.50% · 4.625%
HK$155,222
+HK$8,904/mo
Deposit HK$3.35M · loan HK$30.19M · min. income ≈ HK$292,636/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$1,425,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,173
−HK$8,275/mo
▼ 0.25% · 3.875%
HK$157,281
−HK$4,167/mo
Today · 4.125%
HK$161,448
baseline
▲ 0.50% · 4.625%
HK$169,958
+HK$8,510/mo
Deposit HK$3.35M · loan HK$30.19M · min. income ≈ HK$322,896/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$1,425,665 · Scale 2, in force from 26 Feb 2026)