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$76,464
−HK$4,795/mo
▼ 0.25% · 3.875%
HK$78,842
−HK$2,417/mo
Today · 4.125%
HK$81,259
baseline
▲ 0.50% · 4.625%
HK$86,203
+HK$4,944/mo
Deposit HK$16.77M · loan HK$16.77M · min. income ≈ HK$162,518/mo (50% DSR)
Upfront cash ≈ HK$18.19M (deposit + AVD stamp duty HK$1,425,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,065
−HK$4,596/mo
▼ 0.25% · 3.875%
HK$87,346
−HK$2,315/mo
Today · 4.125%
HK$89,661
baseline
▲ 0.50% · 4.625%
HK$94,387
+HK$4,726/mo
Deposit HK$16.77M · loan HK$16.77M · min. income ≈ HK$179,322/mo (50% DSR)
Upfront cash ≈ HK$18.19M (deposit + AVD stamp duty HK$1,425,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,756
−HK$5,754/mo
▼ 0.25% · 3.875%
HK$94,610
−HK$2,900/mo
Today · 4.125%
HK$97,510
baseline
▲ 0.50% · 4.625%
HK$103,444
+HK$5,934/mo
Deposit HK$13.41M · loan HK$20.12M · min. income ≈ HK$195,020/mo (50% DSR)
Upfront cash ≈ HK$14.84M (deposit + AVD stamp duty HK$1,425,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,078
−HK$5,515/mo
▼ 0.25% · 3.875%
HK$104,816
−HK$2,777/mo
Today · 4.125%
HK$107,593
baseline
▲ 0.50% · 4.625%
HK$113,264
+HK$5,671/mo
Deposit HK$13.41M · loan HK$20.12M · min. income ≈ HK$215,186/mo (50% DSR)
Upfront cash ≈ HK$14.84M (deposit + AVD stamp duty HK$1,425,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,049
−HK$6,713/mo
▼ 0.25% · 3.875%
HK$110,379
−HK$3,383/mo
Today · 4.125%
HK$113,762
baseline
▲ 0.50% · 4.625%
HK$120,684
+HK$6,922/mo
Deposit HK$10.06M · loan HK$23.47M · min. income ≈ HK$227,524/mo (50% DSR)
Upfront cash ≈ HK$11.49M (deposit + AVD stamp duty HK$1,425,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,091
−HK$6,434/mo
▼ 0.25% · 3.875%
HK$122,285
−HK$3,240/mo
Today · 4.125%
HK$125,525
baseline
▲ 0.50% · 4.625%
HK$132,142
+HK$6,617/mo
Deposit HK$10.06M · loan HK$23.47M · min. income ≈ HK$251,050/mo (50% DSR)
Upfront cash ≈ HK$11.49M (deposit + AVD stamp duty HK$1,425,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,635
−HK$8,630/mo
▼ 0.25% · 3.875%
HK$141,916
−HK$4,349/mo
Today · 4.125%
HK$146,265
baseline
▲ 0.50% · 4.625%
HK$155,165
+HK$8,900/mo
Deposit HK$3.35M · loan HK$30.18M · min. income ≈ HK$292,530/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$1,425,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,117
−HK$8,272/mo
▼ 0.25% · 3.875%
HK$157,224
−HK$4,165/mo
Today · 4.125%
HK$161,389
baseline
▲ 0.50% · 4.625%
HK$169,897
+HK$8,508/mo
Deposit HK$3.35M · loan HK$30.18M · min. income ≈ HK$322,778/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$1,425,149 · Scale 2, in force from 26 Feb 2026)