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$76,684
−HK$4,809/mo
▼ 0.25% · 3.875%
HK$79,069
−HK$2,424/mo
Today · 4.125%
HK$81,493
baseline
▲ 0.50% · 4.625%
HK$86,451
+HK$4,958/mo
Deposit HK$16.81M · loan HK$16.81M · min. income ≈ HK$162,986/mo (50% DSR)
Upfront cash ≈ HK$18.24M (deposit + AVD stamp duty HK$1,429,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,310
−HK$4,609/mo
▼ 0.25% · 3.875%
HK$87,598
−HK$2,321/mo
Today · 4.125%
HK$89,919
baseline
▲ 0.50% · 4.625%
HK$94,659
+HK$4,740/mo
Deposit HK$16.81M · loan HK$16.81M · min. income ≈ HK$179,838/mo (50% DSR)
Upfront cash ≈ HK$18.24M (deposit + AVD stamp duty HK$1,429,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,021
−HK$5,770/mo
▼ 0.25% · 3.875%
HK$94,883
−HK$2,908/mo
Today · 4.125%
HK$97,791
baseline
▲ 0.50% · 4.625%
HK$103,742
+HK$5,951/mo
Deposit HK$13.45M · loan HK$20.18M · min. income ≈ HK$195,582/mo (50% DSR)
Upfront cash ≈ HK$14.88M (deposit + AVD stamp duty HK$1,429,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,372
−HK$5,531/mo
▼ 0.25% · 3.875%
HK$105,118
−HK$2,785/mo
Today · 4.125%
HK$107,903
baseline
▲ 0.50% · 4.625%
HK$113,591
+HK$5,688/mo
Deposit HK$13.45M · loan HK$20.18M · min. income ≈ HK$215,806/mo (50% DSR)
Upfront cash ≈ HK$14.88M (deposit + AVD stamp duty HK$1,429,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,358
−HK$6,732/mo
▼ 0.25% · 3.875%
HK$110,697
−HK$3,393/mo
Today · 4.125%
HK$114,090
baseline
▲ 0.50% · 4.625%
HK$121,032
+HK$6,942/mo
Deposit HK$10.09M · loan HK$23.54M · min. income ≈ HK$228,180/mo (50% DSR)
Upfront cash ≈ HK$11.52M (deposit + AVD stamp duty HK$1,429,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,434
−HK$6,453/mo
▼ 0.25% · 3.875%
HK$122,638
−HK$3,249/mo
Today · 4.125%
HK$125,887
baseline
▲ 0.50% · 4.625%
HK$132,523
+HK$6,636/mo
Deposit HK$10.09M · loan HK$23.54M · min. income ≈ HK$251,774/mo (50% DSR)
Upfront cash ≈ HK$11.52M (deposit + AVD stamp duty HK$1,429,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,031
−HK$8,656/mo
▼ 0.25% · 3.875%
HK$142,325
−HK$4,362/mo
Today · 4.125%
HK$146,687
baseline
▲ 0.50% · 4.625%
HK$155,613
+HK$8,926/mo
Deposit HK$3.36M · loan HK$30.27M · min. income ≈ HK$293,374/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$1,429,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,558
−HK$8,297/mo
▼ 0.25% · 3.875%
HK$157,677
−HK$4,178/mo
Today · 4.125%
HK$161,855
baseline
▲ 0.50% · 4.625%
HK$170,386
+HK$8,531/mo
Deposit HK$3.36M · loan HK$30.27M · min. income ≈ HK$323,710/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$1,429,258 · Scale 2, in force from 26 Feb 2026)