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$76,523
−HK$4,798/mo
▼ 0.25% · 3.875%
HK$78,903
−HK$2,418/mo
Today · 4.125%
HK$81,321
baseline
▲ 0.50% · 4.625%
HK$86,269
+HK$4,948/mo
Deposit HK$16.78M · loan HK$16.78M · min. income ≈ HK$162,642/mo (50% DSR)
Upfront cash ≈ HK$18.21M (deposit + AVD stamp duty HK$1,426,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,131
−HK$4,599/mo
▼ 0.25% · 3.875%
HK$87,414
−HK$2,316/mo
Today · 4.125%
HK$89,730
baseline
▲ 0.50% · 4.625%
HK$94,460
+HK$4,730/mo
Deposit HK$16.78M · loan HK$16.78M · min. income ≈ HK$179,460/mo (50% DSR)
Upfront cash ≈ HK$18.21M (deposit + AVD stamp duty HK$1,426,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,827
−HK$5,758/mo
▼ 0.25% · 3.875%
HK$94,683
−HK$2,902/mo
Today · 4.125%
HK$97,585
baseline
▲ 0.50% · 4.625%
HK$103,523
+HK$5,938/mo
Deposit HK$13.42M · loan HK$20.14M · min. income ≈ HK$195,170/mo (50% DSR)
Upfront cash ≈ HK$14.85M (deposit + AVD stamp duty HK$1,426,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,157
−HK$5,519/mo
▼ 0.25% · 3.875%
HK$104,896
−HK$2,780/mo
Today · 4.125%
HK$107,676
baseline
▲ 0.50% · 4.625%
HK$113,352
+HK$5,676/mo
Deposit HK$13.42M · loan HK$20.14M · min. income ≈ HK$215,352/mo (50% DSR)
Upfront cash ≈ HK$14.85M (deposit + AVD stamp duty HK$1,426,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,132
−HK$6,718/mo
▼ 0.25% · 3.875%
HK$110,464
−HK$3,386/mo
Today · 4.125%
HK$113,850
baseline
▲ 0.50% · 4.625%
HK$120,777
+HK$6,927/mo
Deposit HK$10.07M · loan HK$23.49M · min. income ≈ HK$227,700/mo (50% DSR)
Upfront cash ≈ HK$11.49M (deposit + AVD stamp duty HK$1,426,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,183
−HK$6,439/mo
▼ 0.25% · 3.875%
HK$122,379
−HK$3,243/mo
Today · 4.125%
HK$125,622
baseline
▲ 0.50% · 4.625%
HK$132,244
+HK$6,622/mo
Deposit HK$10.07M · loan HK$23.49M · min. income ≈ HK$251,244/mo (50% DSR)
Upfront cash ≈ HK$11.49M (deposit + AVD stamp duty HK$1,426,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,741
−HK$8,637/mo
▼ 0.25% · 3.875%
HK$142,025
−HK$4,353/mo
Today · 4.125%
HK$146,378
baseline
▲ 0.50% · 4.625%
HK$155,285
+HK$8,907/mo
Deposit HK$3.36M · loan HK$30.20M · min. income ≈ HK$292,756/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$1,426,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,235
−HK$8,279/mo
▼ 0.25% · 3.875%
HK$157,345
−HK$4,169/mo
Today · 4.125%
HK$161,514
baseline
▲ 0.50% · 4.625%
HK$170,027
+HK$8,513/mo
Deposit HK$3.36M · loan HK$30.20M · min. income ≈ HK$323,028/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$1,426,246 · Scale 2, in force from 26 Feb 2026)