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$76,429
−HK$4,793/mo
▼ 0.25% · 3.875%
HK$78,807
−HK$2,415/mo
Today · 4.125%
HK$81,222
baseline
▲ 0.50% · 4.625%
HK$86,164
+HK$4,942/mo
Deposit HK$16.76M · loan HK$16.76M · min. income ≈ HK$162,444/mo (50% DSR)
Upfront cash ≈ HK$18.18M (deposit + AVD stamp duty HK$1,424,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,027
−HK$4,594/mo
▼ 0.25% · 3.875%
HK$87,307
−HK$2,314/mo
Today · 4.125%
HK$89,621
baseline
▲ 0.50% · 4.625%
HK$94,345
+HK$4,724/mo
Deposit HK$16.76M · loan HK$16.76M · min. income ≈ HK$179,242/mo (50% DSR)
Upfront cash ≈ HK$18.18M (deposit + AVD stamp duty HK$1,424,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,715
−HK$5,752/mo
▼ 0.25% · 3.875%
HK$94,568
−HK$2,899/mo
Today · 4.125%
HK$97,467
baseline
▲ 0.50% · 4.625%
HK$103,397
+HK$5,930/mo
Deposit HK$13.41M · loan HK$20.11M · min. income ≈ HK$194,934/mo (50% DSR)
Upfront cash ≈ HK$14.83M (deposit + AVD stamp duty HK$1,424,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,032
−HK$5,513/mo
▼ 0.25% · 3.875%
HK$104,769
−HK$2,776/mo
Today · 4.125%
HK$107,545
baseline
▲ 0.50% · 4.625%
HK$113,214
+HK$5,669/mo
Deposit HK$13.41M · loan HK$20.11M · min. income ≈ HK$215,090/mo (50% DSR)
Upfront cash ≈ HK$14.83M (deposit + AVD stamp duty HK$1,424,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,001
−HK$6,710/mo
▼ 0.25% · 3.875%
HK$110,329
−HK$3,382/mo
Today · 4.125%
HK$113,711
baseline
▲ 0.50% · 4.625%
HK$120,630
+HK$6,919/mo
Deposit HK$10.06M · loan HK$23.46M · min. income ≈ HK$227,422/mo (50% DSR)
Upfront cash ≈ HK$11.48M (deposit + AVD stamp duty HK$1,424,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,038
−HK$6,431/mo
▼ 0.25% · 3.875%
HK$122,230
−HK$3,239/mo
Today · 4.125%
HK$125,469
baseline
▲ 0.50% · 4.625%
HK$132,082
+HK$6,613/mo
Deposit HK$10.06M · loan HK$23.46M · min. income ≈ HK$250,938/mo (50% DSR)
Upfront cash ≈ HK$11.48M (deposit + AVD stamp duty HK$1,424,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,573
−HK$8,627/mo
▼ 0.25% · 3.875%
HK$141,852
−HK$4,348/mo
Today · 4.125%
HK$146,200
baseline
▲ 0.50% · 4.625%
HK$155,096
+HK$8,896/mo
Deposit HK$3.35M · loan HK$30.17M · min. income ≈ HK$292,400/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$1,424,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,048
−HK$8,269/mo
▼ 0.25% · 3.875%
HK$157,153
−HK$4,164/mo
Today · 4.125%
HK$161,317
baseline
▲ 0.50% · 4.625%
HK$169,820
+HK$8,503/mo
Deposit HK$3.35M · loan HK$30.17M · min. income ≈ HK$322,634/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$1,424,510 · Scale 2, in force from 26 Feb 2026)