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$76,479
−HK$4,796/mo
▼ 0.25% · 3.875%
HK$78,858
−HK$2,417/mo
Today · 4.125%
HK$81,275
baseline
▲ 0.50% · 4.625%
HK$86,221
+HK$4,946/mo
Deposit HK$16.77M · loan HK$16.77M · min. income ≈ HK$162,550/mo (50% DSR)
Upfront cash ≈ HK$18.20M (deposit + AVD stamp duty HK$1,425,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,083
−HK$4,596/mo
▼ 0.25% · 3.875%
HK$87,364
−HK$2,315/mo
Today · 4.125%
HK$89,679
baseline
▲ 0.50% · 4.625%
HK$94,406
+HK$4,727/mo
Deposit HK$16.77M · loan HK$16.77M · min. income ≈ HK$179,358/mo (50% DSR)
Upfront cash ≈ HK$18.20M (deposit + AVD stamp duty HK$1,425,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,775
−HK$5,755/mo
▼ 0.25% · 3.875%
HK$94,630
−HK$2,900/mo
Today · 4.125%
HK$97,530
baseline
▲ 0.50% · 4.625%
HK$103,465
+HK$5,935/mo
Deposit HK$13.42M · loan HK$20.12M · min. income ≈ HK$195,060/mo (50% DSR)
Upfront cash ≈ HK$14.84M (deposit + AVD stamp duty HK$1,425,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,099
−HK$5,516/mo
▼ 0.25% · 3.875%
HK$104,837
−HK$2,778/mo
Today · 4.125%
HK$107,615
baseline
▲ 0.50% · 4.625%
HK$113,288
+HK$5,673/mo
Deposit HK$13.42M · loan HK$20.12M · min. income ≈ HK$215,230/mo (50% DSR)
Upfront cash ≈ HK$14.84M (deposit + AVD stamp duty HK$1,425,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,071
−HK$6,714/mo
▼ 0.25% · 3.875%
HK$110,402
−HK$3,383/mo
Today · 4.125%
HK$113,785
baseline
▲ 0.50% · 4.625%
HK$120,709
+HK$6,924/mo
Deposit HK$10.06M · loan HK$23.48M · min. income ≈ HK$227,570/mo (50% DSR)
Upfront cash ≈ HK$11.49M (deposit + AVD stamp duty HK$1,425,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,116
−HK$6,435/mo
▼ 0.25% · 3.875%
HK$122,310
−HK$3,241/mo
Today · 4.125%
HK$125,551
baseline
▲ 0.50% · 4.625%
HK$132,169
+HK$6,618/mo
Deposit HK$10.06M · loan HK$23.48M · min. income ≈ HK$251,102/mo (50% DSR)
Upfront cash ≈ HK$11.49M (deposit + AVD stamp duty HK$1,425,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,663
−HK$8,633/mo
▼ 0.25% · 3.875%
HK$141,945
−HK$4,351/mo
Today · 4.125%
HK$146,296
baseline
▲ 0.50% · 4.625%
HK$155,197
+HK$8,901/mo
Deposit HK$3.35M · loan HK$30.19M · min. income ≈ HK$292,592/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$1,425,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,149
−HK$8,274/mo
▼ 0.25% · 3.875%
HK$157,256
−HK$4,167/mo
Today · 4.125%
HK$161,423
baseline
▲ 0.50% · 4.625%
HK$169,932
+HK$8,509/mo
Deposit HK$3.35M · loan HK$30.19M · min. income ≈ HK$322,846/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$1,425,443 · Scale 2, in force from 26 Feb 2026)