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$76,459
−HK$4,795/mo
▼ 0.25% · 3.875%
HK$78,838
−HK$2,416/mo
Today · 4.125%
HK$81,254
baseline
▲ 0.50% · 4.625%
HK$86,198
+HK$4,944/mo
Deposit HK$16.77M · loan HK$16.77M · min. income ≈ HK$162,508/mo (50% DSR)
Upfront cash ≈ HK$18.19M (deposit + AVD stamp duty HK$1,425,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,060
−HK$4,596/mo
▼ 0.25% · 3.875%
HK$87,342
−HK$2,314/mo
Today · 4.125%
HK$89,656
baseline
▲ 0.50% · 4.625%
HK$94,382
+HK$4,726/mo
Deposit HK$16.77M · loan HK$16.77M · min. income ≈ HK$179,312/mo (50% DSR)
Upfront cash ≈ HK$18.19M (deposit + AVD stamp duty HK$1,425,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,751
−HK$5,754/mo
▼ 0.25% · 3.875%
HK$94,605
−HK$2,900/mo
Today · 4.125%
HK$97,505
baseline
▲ 0.50% · 4.625%
HK$103,438
+HK$5,933/mo
Deposit HK$13.41M · loan HK$20.12M · min. income ≈ HK$195,010/mo (50% DSR)
Upfront cash ≈ HK$14.84M (deposit + AVD stamp duty HK$1,425,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,072
−HK$5,515/mo
▼ 0.25% · 3.875%
HK$104,810
−HK$2,777/mo
Today · 4.125%
HK$107,587
baseline
▲ 0.50% · 4.625%
HK$113,258
+HK$5,671/mo
Deposit HK$13.41M · loan HK$20.12M · min. income ≈ HK$215,174/mo (50% DSR)
Upfront cash ≈ HK$14.84M (deposit + AVD stamp duty HK$1,425,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,043
−HK$6,713/mo
▼ 0.25% · 3.875%
HK$110,373
−HK$3,383/mo
Today · 4.125%
HK$113,756
baseline
▲ 0.50% · 4.625%
HK$120,677
+HK$6,921/mo
Deposit HK$10.06M · loan HK$23.47M · min. income ≈ HK$227,512/mo (50% DSR)
Upfront cash ≈ HK$11.48M (deposit + AVD stamp duty HK$1,425,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,084
−HK$6,434/mo
▼ 0.25% · 3.875%
HK$122,278
−HK$3,240/mo
Today · 4.125%
HK$125,518
baseline
▲ 0.50% · 4.625%
HK$132,134
+HK$6,616/mo
Deposit HK$10.06M · loan HK$23.47M · min. income ≈ HK$251,036/mo (50% DSR)
Upfront cash ≈ HK$11.48M (deposit + AVD stamp duty HK$1,425,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,627
−HK$8,630/mo
▼ 0.25% · 3.875%
HK$141,908
−HK$4,349/mo
Today · 4.125%
HK$146,257
baseline
▲ 0.50% · 4.625%
HK$155,157
+HK$8,900/mo
Deposit HK$3.35M · loan HK$30.18M · min. income ≈ HK$292,514/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$1,425,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,108
−HK$8,272/mo
▼ 0.25% · 3.875%
HK$157,215
−HK$4,165/mo
Today · 4.125%
HK$161,380
baseline
▲ 0.50% · 4.625%
HK$169,887
+HK$8,507/mo
Deposit HK$3.35M · loan HK$30.18M · min. income ≈ HK$322,760/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$1,425,069 · Scale 2, in force from 26 Feb 2026)