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$76,493
−HK$4,797/mo
▼ 0.25% · 3.875%
HK$78,872
−HK$2,418/mo
Today · 4.125%
HK$81,290
baseline
▲ 0.50% · 4.625%
HK$86,236
+HK$4,946/mo
Deposit HK$16.77M · loan HK$16.77M · min. income ≈ HK$162,580/mo (50% DSR)
Upfront cash ≈ HK$18.20M (deposit + AVD stamp duty HK$1,425,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,098
−HK$4,597/mo
▼ 0.25% · 3.875%
HK$87,380
−HK$2,315/mo
Today · 4.125%
HK$89,695
baseline
▲ 0.50% · 4.625%
HK$94,423
+HK$4,728/mo
Deposit HK$16.77M · loan HK$16.77M · min. income ≈ HK$179,390/mo (50% DSR)
Upfront cash ≈ HK$18.20M (deposit + AVD stamp duty HK$1,425,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,792
−HK$5,756/mo
▼ 0.25% · 3.875%
HK$94,647
−HK$2,901/mo
Today · 4.125%
HK$97,548
baseline
▲ 0.50% · 4.625%
HK$103,483
+HK$5,935/mo
Deposit HK$13.42M · loan HK$20.13M · min. income ≈ HK$195,096/mo (50% DSR)
Upfront cash ≈ HK$14.84M (deposit + AVD stamp duty HK$1,425,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,117
−HK$5,517/mo
▼ 0.25% · 3.875%
HK$104,856
−HK$2,778/mo
Today · 4.125%
HK$107,634
baseline
▲ 0.50% · 4.625%
HK$113,308
+HK$5,674/mo
Deposit HK$13.42M · loan HK$20.13M · min. income ≈ HK$215,268/mo (50% DSR)
Upfront cash ≈ HK$14.84M (deposit + AVD stamp duty HK$1,425,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,090
−HK$6,716/mo
▼ 0.25% · 3.875%
HK$110,421
−HK$3,385/mo
Today · 4.125%
HK$113,806
baseline
▲ 0.50% · 4.625%
HK$120,730
+HK$6,924/mo
Deposit HK$10.06M · loan HK$23.48M · min. income ≈ HK$227,612/mo (50% DSR)
Upfront cash ≈ HK$11.49M (deposit + AVD stamp duty HK$1,425,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,137
−HK$6,436/mo
▼ 0.25% · 3.875%
HK$122,332
−HK$3,241/mo
Today · 4.125%
HK$125,573
baseline
▲ 0.50% · 4.625%
HK$132,192
+HK$6,619/mo
Deposit HK$10.06M · loan HK$23.48M · min. income ≈ HK$251,146/mo (50% DSR)
Upfront cash ≈ HK$11.49M (deposit + AVD stamp duty HK$1,425,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,687
−HK$8,634/mo
▼ 0.25% · 3.875%
HK$141,970
−HK$4,351/mo
Today · 4.125%
HK$146,321
baseline
▲ 0.50% · 4.625%
HK$155,225
+HK$8,904/mo
Deposit HK$3.35M · loan HK$30.19M · min. income ≈ HK$292,642/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$1,425,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,176
−HK$8,275/mo
▼ 0.25% · 3.875%
HK$157,284
−HK$4,167/mo
Today · 4.125%
HK$161,451
baseline
▲ 0.50% · 4.625%
HK$169,962
+HK$8,511/mo
Deposit HK$3.35M · loan HK$30.19M · min. income ≈ HK$322,902/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$1,425,695 · Scale 2, in force from 26 Feb 2026)