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$76,444
−HK$4,794/mo
▼ 0.25% · 3.875%
HK$78,822
−HK$2,416/mo
Today · 4.125%
HK$81,238
baseline
▲ 0.50% · 4.625%
HK$86,181
+HK$4,943/mo
Deposit HK$16.76M · loan HK$16.76M · min. income ≈ HK$162,476/mo (50% DSR)
Upfront cash ≈ HK$18.19M (deposit + AVD stamp duty HK$1,424,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,044
−HK$4,594/mo
▼ 0.25% · 3.875%
HK$87,324
−HK$2,314/mo
Today · 4.125%
HK$89,638
baseline
▲ 0.50% · 4.625%
HK$94,363
+HK$4,725/mo
Deposit HK$16.76M · loan HK$16.76M · min. income ≈ HK$179,276/mo (50% DSR)
Upfront cash ≈ HK$18.19M (deposit + AVD stamp duty HK$1,424,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,733
−HK$5,753/mo
▼ 0.25% · 3.875%
HK$94,587
−HK$2,899/mo
Today · 4.125%
HK$97,486
baseline
▲ 0.50% · 4.625%
HK$103,418
+HK$5,932/mo
Deposit HK$13.41M · loan HK$20.11M · min. income ≈ HK$194,972/mo (50% DSR)
Upfront cash ≈ HK$14.83M (deposit + AVD stamp duty HK$1,424,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,052
−HK$5,514/mo
▼ 0.25% · 3.875%
HK$104,789
−HK$2,777/mo
Today · 4.125%
HK$107,566
baseline
▲ 0.50% · 4.625%
HK$113,236
+HK$5,670/mo
Deposit HK$13.41M · loan HK$20.11M · min. income ≈ HK$215,132/mo (50% DSR)
Upfront cash ≈ HK$14.83M (deposit + AVD stamp duty HK$1,424,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,022
−HK$6,711/mo
▼ 0.25% · 3.875%
HK$110,351
−HK$3,382/mo
Today · 4.125%
HK$113,733
baseline
▲ 0.50% · 4.625%
HK$120,654
+HK$6,921/mo
Deposit HK$10.06M · loan HK$23.47M · min. income ≈ HK$227,466/mo (50% DSR)
Upfront cash ≈ HK$11.48M (deposit + AVD stamp duty HK$1,424,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,061
−HK$6,433/mo
▼ 0.25% · 3.875%
HK$122,254
−HK$3,240/mo
Today · 4.125%
HK$125,494
baseline
▲ 0.50% · 4.625%
HK$132,109
+HK$6,615/mo
Deposit HK$10.06M · loan HK$23.47M · min. income ≈ HK$250,988/mo (50% DSR)
Upfront cash ≈ HK$11.48M (deposit + AVD stamp duty HK$1,424,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,600
−HK$8,629/mo
▼ 0.25% · 3.875%
HK$141,880
−HK$4,349/mo
Today · 4.125%
HK$146,229
baseline
▲ 0.50% · 4.625%
HK$155,126
+HK$8,897/mo
Deposit HK$3.35M · loan HK$30.17M · min. income ≈ HK$292,458/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$1,424,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,079
−HK$8,270/mo
▼ 0.25% · 3.875%
HK$157,184
−HK$4,165/mo
Today · 4.125%
HK$161,349
baseline
▲ 0.50% · 4.625%
HK$169,854
+HK$8,505/mo
Deposit HK$3.35M · loan HK$30.17M · min. income ≈ HK$322,698/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$1,424,791 · Scale 2, in force from 26 Feb 2026)