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$76,659
−HK$4,807/mo
▼ 0.25% · 3.875%
HK$79,043
−HK$2,423/mo
Today · 4.125%
HK$81,466
baseline
▲ 0.50% · 4.625%
HK$86,423
+HK$4,957/mo
Deposit HK$16.81M · loan HK$16.81M · min. income ≈ HK$162,932/mo (50% DSR)
Upfront cash ≈ HK$18.24M (deposit + AVD stamp duty HK$1,428,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,282
−HK$4,608/mo
▼ 0.25% · 3.875%
HK$87,569
−HK$2,321/mo
Today · 4.125%
HK$89,890
baseline
▲ 0.50% · 4.625%
HK$94,628
+HK$4,738/mo
Deposit HK$16.81M · loan HK$16.81M · min. income ≈ HK$179,780/mo (50% DSR)
Upfront cash ≈ HK$18.24M (deposit + AVD stamp duty HK$1,428,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,991
−HK$5,768/mo
▼ 0.25% · 3.875%
HK$94,852
−HK$2,907/mo
Today · 4.125%
HK$97,759
baseline
▲ 0.50% · 4.625%
HK$103,708
+HK$5,949/mo
Deposit HK$13.45M · loan HK$20.17M · min. income ≈ HK$195,518/mo (50% DSR)
Upfront cash ≈ HK$14.88M (deposit + AVD stamp duty HK$1,428,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,339
−HK$5,529/mo
▼ 0.25% · 3.875%
HK$105,083
−HK$2,785/mo
Today · 4.125%
HK$107,868
baseline
▲ 0.50% · 4.625%
HK$113,554
+HK$5,686/mo
Deposit HK$13.45M · loan HK$20.17M · min. income ≈ HK$215,736/mo (50% DSR)
Upfront cash ≈ HK$14.88M (deposit + AVD stamp duty HK$1,428,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,322
−HK$6,730/mo
▼ 0.25% · 3.875%
HK$110,661
−HK$3,391/mo
Today · 4.125%
HK$114,052
baseline
▲ 0.50% · 4.625%
HK$120,992
+HK$6,940/mo
Deposit HK$10.09M · loan HK$23.53M · min. income ≈ HK$228,104/mo (50% DSR)
Upfront cash ≈ HK$11.51M (deposit + AVD stamp duty HK$1,428,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,395
−HK$6,451/mo
▼ 0.25% · 3.875%
HK$122,597
−HK$3,249/mo
Today · 4.125%
HK$125,846
baseline
▲ 0.50% · 4.625%
HK$132,479
+HK$6,633/mo
Deposit HK$10.09M · loan HK$23.53M · min. income ≈ HK$251,692/mo (50% DSR)
Upfront cash ≈ HK$11.51M (deposit + AVD stamp duty HK$1,428,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,986
−HK$8,653/mo
▼ 0.25% · 3.875%
HK$142,278
−HK$4,361/mo
Today · 4.125%
HK$146,639
baseline
▲ 0.50% · 4.625%
HK$155,562
+HK$8,923/mo
Deposit HK$3.36M · loan HK$30.26M · min. income ≈ HK$293,278/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$1,428,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,508
−HK$8,294/mo
▼ 0.25% · 3.875%
HK$157,625
−HK$4,177/mo
Today · 4.125%
HK$161,802
baseline
▲ 0.50% · 4.625%
HK$170,330
+HK$8,528/mo
Deposit HK$3.36M · loan HK$30.26M · min. income ≈ HK$323,604/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$1,428,788 · Scale 2, in force from 26 Feb 2026)