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$76,490
−HK$4,797/mo
▼ 0.25% · 3.875%
HK$78,869
−HK$2,418/mo
Today · 4.125%
HK$81,287
baseline
▲ 0.50% · 4.625%
HK$86,233
+HK$4,946/mo
Deposit HK$16.77M · loan HK$16.77M · min. income ≈ HK$162,574/mo (50% DSR)
Upfront cash ≈ HK$18.20M (deposit + AVD stamp duty HK$1,425,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,094
−HK$4,598/mo
▼ 0.25% · 3.875%
HK$87,377
−HK$2,315/mo
Today · 4.125%
HK$89,692
baseline
▲ 0.50% · 4.625%
HK$94,420
+HK$4,728/mo
Deposit HK$16.77M · loan HK$16.77M · min. income ≈ HK$179,384/mo (50% DSR)
Upfront cash ≈ HK$18.20M (deposit + AVD stamp duty HK$1,425,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,788
−HK$5,756/mo
▼ 0.25% · 3.875%
HK$94,643
−HK$2,901/mo
Today · 4.125%
HK$97,544
baseline
▲ 0.50% · 4.625%
HK$103,479
+HK$5,935/mo
Deposit HK$13.42M · loan HK$20.13M · min. income ≈ HK$195,088/mo (50% DSR)
Upfront cash ≈ HK$14.84M (deposit + AVD stamp duty HK$1,425,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,113
−HK$5,517/mo
▼ 0.25% · 3.875%
HK$104,852
−HK$2,778/mo
Today · 4.125%
HK$107,630
baseline
▲ 0.50% · 4.625%
HK$113,304
+HK$5,674/mo
Deposit HK$13.42M · loan HK$20.13M · min. income ≈ HK$215,260/mo (50% DSR)
Upfront cash ≈ HK$14.84M (deposit + AVD stamp duty HK$1,425,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,086
−HK$6,715/mo
▼ 0.25% · 3.875%
HK$110,417
−HK$3,384/mo
Today · 4.125%
HK$113,801
baseline
▲ 0.50% · 4.625%
HK$120,726
+HK$6,925/mo
Deposit HK$10.06M · loan HK$23.48M · min. income ≈ HK$227,602/mo (50% DSR)
Upfront cash ≈ HK$11.49M (deposit + AVD stamp duty HK$1,425,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,132
−HK$6,437/mo
▼ 0.25% · 3.875%
HK$122,327
−HK$3,242/mo
Today · 4.125%
HK$125,569
baseline
▲ 0.50% · 4.625%
HK$132,187
+HK$6,618/mo
Deposit HK$10.06M · loan HK$23.48M · min. income ≈ HK$251,138/mo (50% DSR)
Upfront cash ≈ HK$11.49M (deposit + AVD stamp duty HK$1,425,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,682
−HK$8,634/mo
▼ 0.25% · 3.875%
HK$141,965
−HK$4,351/mo
Today · 4.125%
HK$146,316
baseline
▲ 0.50% · 4.625%
HK$155,219
+HK$8,903/mo
Deposit HK$3.35M · loan HK$30.19M · min. income ≈ HK$292,632/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$1,425,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,170
−HK$8,275/mo
▼ 0.25% · 3.875%
HK$157,278
−HK$4,167/mo
Today · 4.125%
HK$161,445
baseline
▲ 0.50% · 4.625%
HK$169,955
+HK$8,510/mo
Deposit HK$3.35M · loan HK$30.19M · min. income ≈ HK$322,890/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$1,425,642 · Scale 2, in force from 26 Feb 2026)