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$76,508
−HK$4,798/mo
▼ 0.25% · 3.875%
HK$78,888
−HK$2,418/mo
Today · 4.125%
HK$81,306
baseline
▲ 0.50% · 4.625%
HK$86,253
+HK$4,947/mo
Deposit HK$16.78M · loan HK$16.78M · min. income ≈ HK$162,612/mo (50% DSR)
Upfront cash ≈ HK$18.20M (deposit + AVD stamp duty HK$1,425,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,115
−HK$4,598/mo
▼ 0.25% · 3.875%
HK$87,397
−HK$2,316/mo
Today · 4.125%
HK$89,713
baseline
▲ 0.50% · 4.625%
HK$94,442
+HK$4,729/mo
Deposit HK$16.78M · loan HK$16.78M · min. income ≈ HK$179,426/mo (50% DSR)
Upfront cash ≈ HK$18.20M (deposit + AVD stamp duty HK$1,425,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,810
−HK$5,757/mo
▼ 0.25% · 3.875%
HK$94,666
−HK$2,901/mo
Today · 4.125%
HK$97,567
baseline
▲ 0.50% · 4.625%
HK$103,504
+HK$5,937/mo
Deposit HK$13.42M · loan HK$20.13M · min. income ≈ HK$195,134/mo (50% DSR)
Upfront cash ≈ HK$14.85M (deposit + AVD stamp duty HK$1,425,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,138
−HK$5,518/mo
▼ 0.25% · 3.875%
HK$104,877
−HK$2,779/mo
Today · 4.125%
HK$107,656
baseline
▲ 0.50% · 4.625%
HK$113,331
+HK$5,675/mo
Deposit HK$13.42M · loan HK$20.13M · min. income ≈ HK$215,312/mo (50% DSR)
Upfront cash ≈ HK$14.85M (deposit + AVD stamp duty HK$1,425,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,112
−HK$6,716/mo
▼ 0.25% · 3.875%
HK$110,443
−HK$3,385/mo
Today · 4.125%
HK$113,828
baseline
▲ 0.50% · 4.625%
HK$120,755
+HK$6,927/mo
Deposit HK$10.07M · loan HK$23.49M · min. income ≈ HK$227,656/mo (50% DSR)
Upfront cash ≈ HK$11.49M (deposit + AVD stamp duty HK$1,425,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,161
−HK$6,438/mo
▼ 0.25% · 3.875%
HK$122,356
−HK$3,243/mo
Today · 4.125%
HK$125,599
baseline
▲ 0.50% · 4.625%
HK$132,219
+HK$6,620/mo
Deposit HK$10.07M · loan HK$23.49M · min. income ≈ HK$251,198/mo (50% DSR)
Upfront cash ≈ HK$11.49M (deposit + AVD stamp duty HK$1,425,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,715
−HK$8,636/mo
▼ 0.25% · 3.875%
HK$141,999
−HK$4,352/mo
Today · 4.125%
HK$146,351
baseline
▲ 0.50% · 4.625%
HK$155,256
+HK$8,905/mo
Deposit HK$3.36M · loan HK$30.20M · min. income ≈ HK$292,702/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$1,425,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,207
−HK$8,277/mo
▼ 0.25% · 3.875%
HK$157,315
−HK$4,169/mo
Today · 4.125%
HK$161,484
baseline
▲ 0.50% · 4.625%
HK$169,996
+HK$8,512/mo
Deposit HK$3.36M · loan HK$30.20M · min. income ≈ HK$322,968/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$1,425,982 · Scale 2, in force from 26 Feb 2026)