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$76,485
−HK$4,796/mo
▼ 0.25% · 3.875%
HK$78,864
−HK$2,417/mo
Today · 4.125%
HK$81,281
baseline
▲ 0.50% · 4.625%
HK$86,227
+HK$4,946/mo
Deposit HK$16.77M · loan HK$16.77M · min. income ≈ HK$162,562/mo (50% DSR)
Upfront cash ≈ HK$18.20M (deposit + AVD stamp duty HK$1,425,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,089
−HK$4,597/mo
▼ 0.25% · 3.875%
HK$87,371
−HK$2,315/mo
Today · 4.125%
HK$89,686
baseline
▲ 0.50% · 4.625%
HK$94,414
+HK$4,728/mo
Deposit HK$16.77M · loan HK$16.77M · min. income ≈ HK$179,372/mo (50% DSR)
Upfront cash ≈ HK$18.20M (deposit + AVD stamp duty HK$1,425,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,782
−HK$5,756/mo
▼ 0.25% · 3.875%
HK$94,637
−HK$2,901/mo
Today · 4.125%
HK$97,538
baseline
▲ 0.50% · 4.625%
HK$103,473
+HK$5,935/mo
Deposit HK$13.42M · loan HK$20.13M · min. income ≈ HK$195,076/mo (50% DSR)
Upfront cash ≈ HK$14.84M (deposit + AVD stamp duty HK$1,425,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,107
−HK$5,516/mo
▼ 0.25% · 3.875%
HK$104,845
−HK$2,778/mo
Today · 4.125%
HK$107,623
baseline
▲ 0.50% · 4.625%
HK$113,296
+HK$5,673/mo
Deposit HK$13.42M · loan HK$20.13M · min. income ≈ HK$215,246/mo (50% DSR)
Upfront cash ≈ HK$14.84M (deposit + AVD stamp duty HK$1,425,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,079
−HK$6,715/mo
▼ 0.25% · 3.875%
HK$110,410
−HK$3,384/mo
Today · 4.125%
HK$113,794
baseline
▲ 0.50% · 4.625%
HK$120,718
+HK$6,924/mo
Deposit HK$10.06M · loan HK$23.48M · min. income ≈ HK$227,588/mo (50% DSR)
Upfront cash ≈ HK$11.49M (deposit + AVD stamp duty HK$1,425,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,125
−HK$6,435/mo
▼ 0.25% · 3.875%
HK$122,319
−HK$3,241/mo
Today · 4.125%
HK$125,560
baseline
▲ 0.50% · 4.625%
HK$132,179
+HK$6,619/mo
Deposit HK$10.06M · loan HK$23.48M · min. income ≈ HK$251,120/mo (50% DSR)
Upfront cash ≈ HK$11.49M (deposit + AVD stamp duty HK$1,425,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,673
−HK$8,634/mo
▼ 0.25% · 3.875%
HK$141,956
−HK$4,351/mo
Today · 4.125%
HK$146,307
baseline
▲ 0.50% · 4.625%
HK$155,209
+HK$8,902/mo
Deposit HK$3.35M · loan HK$30.19M · min. income ≈ HK$292,614/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$1,425,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,160
−HK$8,275/mo
▼ 0.25% · 3.875%
HK$157,268
−HK$4,167/mo
Today · 4.125%
HK$161,435
baseline
▲ 0.50% · 4.625%
HK$169,944
+HK$8,509/mo
Deposit HK$3.35M · loan HK$30.19M · min. income ≈ HK$322,870/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$1,425,550 · Scale 2, in force from 26 Feb 2026)