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$76,581
−HK$4,803/mo
▼ 0.25% · 3.875%
HK$78,963
−HK$2,421/mo
Today · 4.125%
HK$81,384
baseline
▲ 0.50% · 4.625%
HK$86,336
+HK$4,952/mo
Deposit HK$16.79M · loan HK$16.79M · min. income ≈ HK$162,768/mo (50% DSR)
Upfront cash ≈ HK$18.22M (deposit + AVD stamp duty HK$1,427,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,196
−HK$4,603/mo
▼ 0.25% · 3.875%
HK$87,481
−HK$2,318/mo
Today · 4.125%
HK$89,799
baseline
▲ 0.50% · 4.625%
HK$94,532
+HK$4,733/mo
Deposit HK$16.79M · loan HK$16.79M · min. income ≈ HK$179,598/mo (50% DSR)
Upfront cash ≈ HK$18.22M (deposit + AVD stamp duty HK$1,427,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,898
−HK$5,762/mo
▼ 0.25% · 3.875%
HK$94,756
−HK$2,904/mo
Today · 4.125%
HK$97,660
baseline
▲ 0.50% · 4.625%
HK$103,603
+HK$5,943/mo
Deposit HK$13.43M · loan HK$20.15M · min. income ≈ HK$195,320/mo (50% DSR)
Upfront cash ≈ HK$14.86M (deposit + AVD stamp duty HK$1,427,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,235
−HK$5,524/mo
▼ 0.25% · 3.875%
HK$104,977
−HK$2,782/mo
Today · 4.125%
HK$107,759
baseline
▲ 0.50% · 4.625%
HK$113,439
+HK$5,680/mo
Deposit HK$13.43M · loan HK$20.15M · min. income ≈ HK$215,518/mo (50% DSR)
Upfront cash ≈ HK$14.86M (deposit + AVD stamp duty HK$1,427,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,214
−HK$6,723/mo
▼ 0.25% · 3.875%
HK$110,549
−HK$3,388/mo
Today · 4.125%
HK$113,937
baseline
▲ 0.50% · 4.625%
HK$120,870
+HK$6,933/mo
Deposit HK$10.08M · loan HK$23.51M · min. income ≈ HK$227,874/mo (50% DSR)
Upfront cash ≈ HK$11.50M (deposit + AVD stamp duty HK$1,427,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,274
−HK$6,444/mo
▼ 0.25% · 3.875%
HK$122,473
−HK$3,245/mo
Today · 4.125%
HK$125,718
baseline
▲ 0.50% · 4.625%
HK$132,345
+HK$6,627/mo
Deposit HK$10.08M · loan HK$23.51M · min. income ≈ HK$251,436/mo (50% DSR)
Upfront cash ≈ HK$11.50M (deposit + AVD stamp duty HK$1,427,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,846
−HK$8,645/mo
▼ 0.25% · 3.875%
HK$142,134
−HK$4,357/mo
Today · 4.125%
HK$146,491
baseline
▲ 0.50% · 4.625%
HK$155,404
+HK$8,913/mo
Deposit HK$3.36M · loan HK$30.23M · min. income ≈ HK$292,982/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$1,427,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,353
−HK$8,285/mo
▼ 0.25% · 3.875%
HK$157,466
−HK$4,172/mo
Today · 4.125%
HK$161,638
baseline
▲ 0.50% · 4.625%
HK$170,158
+HK$8,520/mo
Deposit HK$3.36M · loan HK$30.23M · min. income ≈ HK$323,276/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$1,427,343 · Scale 2, in force from 26 Feb 2026)