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$76,553
−HK$4,801/mo
▼ 0.25% · 3.875%
HK$78,934
−HK$2,420/mo
Today · 4.125%
HK$81,354
baseline
▲ 0.50% · 4.625%
HK$86,304
+HK$4,950/mo
Deposit HK$16.79M · loan HK$16.79M · min. income ≈ HK$162,708/mo (50% DSR)
Upfront cash ≈ HK$18.21M (deposit + AVD stamp duty HK$1,426,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,165
−HK$4,601/mo
▼ 0.25% · 3.875%
HK$87,449
−HK$2,317/mo
Today · 4.125%
HK$89,766
baseline
▲ 0.50% · 4.625%
HK$94,497
+HK$4,731/mo
Deposit HK$16.79M · loan HK$16.79M · min. income ≈ HK$179,532/mo (50% DSR)
Upfront cash ≈ HK$18.21M (deposit + AVD stamp duty HK$1,426,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,864
−HK$5,760/mo
▼ 0.25% · 3.875%
HK$94,721
−HK$2,903/mo
Today · 4.125%
HK$97,624
baseline
▲ 0.50% · 4.625%
HK$103,565
+HK$5,941/mo
Deposit HK$13.43M · loan HK$20.14M · min. income ≈ HK$195,248/mo (50% DSR)
Upfront cash ≈ HK$14.86M (deposit + AVD stamp duty HK$1,426,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,198
−HK$5,521/mo
▼ 0.25% · 3.875%
HK$104,938
−HK$2,781/mo
Today · 4.125%
HK$107,719
baseline
▲ 0.50% · 4.625%
HK$113,397
+HK$5,678/mo
Deposit HK$13.43M · loan HK$20.14M · min. income ≈ HK$215,438/mo (50% DSR)
Upfront cash ≈ HK$14.86M (deposit + AVD stamp duty HK$1,426,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,174
−HK$6,721/mo
▼ 0.25% · 3.875%
HK$110,508
−HK$3,387/mo
Today · 4.125%
HK$113,895
baseline
▲ 0.50% · 4.625%
HK$120,825
+HK$6,930/mo
Deposit HK$10.07M · loan HK$23.50M · min. income ≈ HK$227,790/mo (50% DSR)
Upfront cash ≈ HK$11.50M (deposit + AVD stamp duty HK$1,426,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,230
−HK$6,442/mo
▼ 0.25% · 3.875%
HK$122,428
−HK$3,244/mo
Today · 4.125%
HK$125,672
baseline
▲ 0.50% · 4.625%
HK$132,296
+HK$6,624/mo
Deposit HK$10.07M · loan HK$23.50M · min. income ≈ HK$251,344/mo (50% DSR)
Upfront cash ≈ HK$11.50M (deposit + AVD stamp duty HK$1,426,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,796
−HK$8,641/mo
▼ 0.25% · 3.875%
HK$142,082
−HK$4,355/mo
Today · 4.125%
HK$146,437
baseline
▲ 0.50% · 4.625%
HK$155,347
+HK$8,910/mo
Deposit HK$3.36M · loan HK$30.21M · min. income ≈ HK$292,874/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$1,426,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,296
−HK$8,282/mo
▼ 0.25% · 3.875%
HK$157,408
−HK$4,170/mo
Today · 4.125%
HK$161,578
baseline
▲ 0.50% · 4.625%
HK$170,095
+HK$8,517/mo
Deposit HK$3.36M · loan HK$30.21M · min. income ≈ HK$323,156/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$1,426,818 · Scale 2, in force from 26 Feb 2026)