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$76,504
−HK$4,798/mo
▼ 0.25% · 3.875%
HK$78,884
−HK$2,418/mo
Today · 4.125%
HK$81,302
baseline
▲ 0.50% · 4.625%
HK$86,249
+HK$4,947/mo
Deposit HK$16.78M · loan HK$16.78M · min. income ≈ HK$162,604/mo (50% DSR)
Upfront cash ≈ HK$18.20M (deposit + AVD stamp duty HK$1,425,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,110
−HK$4,599/mo
▼ 0.25% · 3.875%
HK$87,393
−HK$2,316/mo
Today · 4.125%
HK$89,709
baseline
▲ 0.50% · 4.625%
HK$94,437
+HK$4,728/mo
Deposit HK$16.78M · loan HK$16.78M · min. income ≈ HK$179,418/mo (50% DSR)
Upfront cash ≈ HK$18.20M (deposit + AVD stamp duty HK$1,425,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,805
−HK$5,757/mo
▼ 0.25% · 3.875%
HK$94,661
−HK$2,901/mo
Today · 4.125%
HK$97,562
baseline
▲ 0.50% · 4.625%
HK$103,499
+HK$5,937/mo
Deposit HK$13.42M · loan HK$20.13M · min. income ≈ HK$195,124/mo (50% DSR)
Upfront cash ≈ HK$14.85M (deposit + AVD stamp duty HK$1,425,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,132
−HK$5,518/mo
▼ 0.25% · 3.875%
HK$104,872
−HK$2,778/mo
Today · 4.125%
HK$107,650
baseline
▲ 0.50% · 4.625%
HK$113,325
+HK$5,675/mo
Deposit HK$13.42M · loan HK$20.13M · min. income ≈ HK$215,300/mo (50% DSR)
Upfront cash ≈ HK$14.85M (deposit + AVD stamp duty HK$1,425,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,106
−HK$6,717/mo
▼ 0.25% · 3.875%
HK$110,438
−HK$3,385/mo
Today · 4.125%
HK$113,823
baseline
▲ 0.50% · 4.625%
HK$120,749
+HK$6,926/mo
Deposit HK$10.07M · loan HK$23.49M · min. income ≈ HK$227,646/mo (50% DSR)
Upfront cash ≈ HK$11.49M (deposit + AVD stamp duty HK$1,425,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,155
−HK$6,437/mo
▼ 0.25% · 3.875%
HK$122,350
−HK$3,242/mo
Today · 4.125%
HK$125,592
baseline
▲ 0.50% · 4.625%
HK$132,212
+HK$6,620/mo
Deposit HK$10.07M · loan HK$23.49M · min. income ≈ HK$251,184/mo (50% DSR)
Upfront cash ≈ HK$11.49M (deposit + AVD stamp duty HK$1,425,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,708
−HK$8,635/mo
▼ 0.25% · 3.875%
HK$141,991
−HK$4,352/mo
Today · 4.125%
HK$146,343
baseline
▲ 0.50% · 4.625%
HK$155,248
+HK$8,905/mo
Deposit HK$3.36M · loan HK$30.20M · min. income ≈ HK$292,686/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$1,425,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,199
−HK$8,277/mo
▼ 0.25% · 3.875%
HK$157,307
−HK$4,169/mo
Today · 4.125%
HK$161,476
baseline
▲ 0.50% · 4.625%
HK$169,987
+HK$8,511/mo
Deposit HK$3.36M · loan HK$30.20M · min. income ≈ HK$322,952/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$1,425,909 · Scale 2, in force from 26 Feb 2026)