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$76,193
−HK$4,778/mo
▼ 0.25% · 3.875%
HK$78,563
−HK$2,408/mo
Today · 4.125%
HK$80,971
baseline
▲ 0.50% · 4.625%
HK$85,898
+HK$4,927/mo
Deposit HK$16.71M · loan HK$16.71M · min. income ≈ HK$161,942/mo (50% DSR)
Upfront cash ≈ HK$18.13M (deposit + AVD stamp duty HK$1,420,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,764
−HK$4,580/mo
▼ 0.25% · 3.875%
HK$87,037
−HK$2,307/mo
Today · 4.125%
HK$89,344
baseline
▲ 0.50% · 4.625%
HK$94,053
+HK$4,709/mo
Deposit HK$16.71M · loan HK$16.71M · min. income ≈ HK$178,688/mo (50% DSR)
Upfront cash ≈ HK$18.13M (deposit + AVD stamp duty HK$1,420,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,432
−HK$5,733/mo
▼ 0.25% · 3.875%
HK$94,276
−HK$2,889/mo
Today · 4.125%
HK$97,165
baseline
▲ 0.50% · 4.625%
HK$103,077
+HK$5,912/mo
Deposit HK$13.37M · loan HK$20.05M · min. income ≈ HK$194,330/mo (50% DSR)
Upfront cash ≈ HK$14.79M (deposit + AVD stamp duty HK$1,420,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,717
−HK$5,495/mo
▼ 0.25% · 3.875%
HK$104,445
−HK$2,767/mo
Today · 4.125%
HK$107,212
baseline
▲ 0.50% · 4.625%
HK$112,864
+HK$5,652/mo
Deposit HK$13.37M · loan HK$20.05M · min. income ≈ HK$214,424/mo (50% DSR)
Upfront cash ≈ HK$14.79M (deposit + AVD stamp duty HK$1,420,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,670
−HK$6,689/mo
▼ 0.25% · 3.875%
HK$109,988
−HK$3,371/mo
Today · 4.125%
HK$113,359
baseline
▲ 0.50% · 4.625%
HK$120,257
+HK$6,898/mo
Deposit HK$10.02M · loan HK$23.39M · min. income ≈ HK$226,718/mo (50% DSR)
Upfront cash ≈ HK$11.44M (deposit + AVD stamp duty HK$1,420,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,670
−HK$6,411/mo
▼ 0.25% · 3.875%
HK$121,852
−HK$3,229/mo
Today · 4.125%
HK$125,081
baseline
▲ 0.50% · 4.625%
HK$131,674
+HK$6,593/mo
Deposit HK$10.02M · loan HK$23.39M · min. income ≈ HK$250,162/mo (50% DSR)
Upfront cash ≈ HK$11.44M (deposit + AVD stamp duty HK$1,420,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,147
−HK$8,601/mo
▼ 0.25% · 3.875%
HK$141,413
−HK$4,335/mo
Today · 4.125%
HK$145,748
baseline
▲ 0.50% · 4.625%
HK$154,616
+HK$8,868/mo
Deposit HK$3.34M · loan HK$30.07M · min. income ≈ HK$291,496/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$1,420,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,575
−HK$8,243/mo
▼ 0.25% · 3.875%
HK$156,667
−HK$4,151/mo
Today · 4.125%
HK$160,818
baseline
▲ 0.50% · 4.625%
HK$169,295
+HK$8,477/mo
Deposit HK$3.34M · loan HK$30.07M · min. income ≈ HK$321,636/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$1,420,105 · Scale 2, in force from 26 Feb 2026)