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$76,578
−HK$4,802/mo
▼ 0.25% · 3.875%
HK$78,960
−HK$2,420/mo
Today · 4.125%
HK$81,380
baseline
▲ 0.50% · 4.625%
HK$86,332
+HK$4,952/mo
Deposit HK$16.79M · loan HK$16.79M · min. income ≈ HK$162,760/mo (50% DSR)
Upfront cash ≈ HK$18.22M (deposit + AVD stamp duty HK$1,427,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,192
−HK$4,603/mo
▼ 0.25% · 3.875%
HK$87,477
−HK$2,318/mo
Today · 4.125%
HK$89,795
baseline
▲ 0.50% · 4.625%
HK$94,528
+HK$4,733/mo
Deposit HK$16.79M · loan HK$16.79M · min. income ≈ HK$179,590/mo (50% DSR)
Upfront cash ≈ HK$18.22M (deposit + AVD stamp duty HK$1,427,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,894
−HK$5,762/mo
▼ 0.25% · 3.875%
HK$94,752
−HK$2,904/mo
Today · 4.125%
HK$97,656
baseline
▲ 0.50% · 4.625%
HK$103,598
+HK$5,942/mo
Deposit HK$13.43M · loan HK$20.15M · min. income ≈ HK$195,312/mo (50% DSR)
Upfront cash ≈ HK$14.86M (deposit + AVD stamp duty HK$1,427,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,231
−HK$5,523/mo
▼ 0.25% · 3.875%
HK$104,972
−HK$2,782/mo
Today · 4.125%
HK$107,754
baseline
▲ 0.50% · 4.625%
HK$113,434
+HK$5,680/mo
Deposit HK$13.43M · loan HK$20.15M · min. income ≈ HK$215,508/mo (50% DSR)
Upfront cash ≈ HK$14.86M (deposit + AVD stamp duty HK$1,427,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,209
−HK$6,723/mo
▼ 0.25% · 3.875%
HK$110,544
−HK$3,388/mo
Today · 4.125%
HK$113,932
baseline
▲ 0.50% · 4.625%
HK$120,865
+HK$6,933/mo
Deposit HK$10.07M · loan HK$23.51M · min. income ≈ HK$227,864/mo (50% DSR)
Upfront cash ≈ HK$11.50M (deposit + AVD stamp duty HK$1,427,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,269
−HK$6,444/mo
▼ 0.25% · 3.875%
HK$122,468
−HK$3,245/mo
Today · 4.125%
HK$125,713
baseline
▲ 0.50% · 4.625%
HK$132,339
+HK$6,626/mo
Deposit HK$10.07M · loan HK$23.51M · min. income ≈ HK$251,426/mo (50% DSR)
Upfront cash ≈ HK$11.50M (deposit + AVD stamp duty HK$1,427,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,840
−HK$8,644/mo
▼ 0.25% · 3.875%
HK$142,128
−HK$4,356/mo
Today · 4.125%
HK$146,484
baseline
▲ 0.50% · 4.625%
HK$155,397
+HK$8,913/mo
Deposit HK$3.36M · loan HK$30.22M · min. income ≈ HK$292,968/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$1,427,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,346
−HK$8,285/mo
▼ 0.25% · 3.875%
HK$157,459
−HK$4,172/mo
Today · 4.125%
HK$161,631
baseline
▲ 0.50% · 4.625%
HK$170,151
+HK$8,520/mo
Deposit HK$3.36M · loan HK$30.22M · min. income ≈ HK$323,262/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$1,427,280 · Scale 2, in force from 26 Feb 2026)