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$78,870
−HK$2,417/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$1,425,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,095
−HK$4,597/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$1,425,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,789
−HK$5,755/mo
▼ 0.25% · 3.875%
HK$94,644
−HK$2,900/mo
Today · 4.125%
HK$97,544
baseline
▲ 0.50% · 4.625%
HK$103,480
+HK$5,936/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$1,425,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,114
−HK$5,517/mo
▼ 0.25% · 3.875%
HK$104,852
−HK$2,779/mo
Today · 4.125%
HK$107,631
baseline
▲ 0.50% · 4.625%
HK$113,304
+HK$5,673/mo
Deposit HK$13.42M · loan HK$20.13M · min. income ≈ HK$215,262/mo (50% DSR)
Upfront cash ≈ HK$14.84M (deposit + AVD stamp duty HK$1,425,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,087
−HK$6,715/mo
▼ 0.25% · 3.875%
HK$110,418
−HK$3,384/mo
Today · 4.125%
HK$113,802
baseline
▲ 0.50% · 4.625%
HK$120,726
+HK$6,924/mo
Deposit HK$10.06M · loan HK$23.48M · min. income ≈ HK$227,604/mo (50% DSR)
Upfront cash ≈ HK$11.49M (deposit + AVD stamp duty HK$1,425,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,133
−HK$6,436/mo
▼ 0.25% · 3.875%
HK$122,328
−HK$3,241/mo
Today · 4.125%
HK$125,569
baseline
▲ 0.50% · 4.625%
HK$132,188
+HK$6,619/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$1,425,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,683
−HK$8,634/mo
▼ 0.25% · 3.875%
HK$141,965
−HK$4,352/mo
Today · 4.125%
HK$146,317
baseline
▲ 0.50% · 4.625%
HK$155,220
+HK$8,903/mo
Deposit HK$3.35M · loan HK$30.19M · min. income ≈ HK$292,634/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$1,425,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,171
−HK$8,275/mo
▼ 0.25% · 3.875%
HK$157,279
−HK$4,167/mo
Today · 4.125%
HK$161,446
baseline
▲ 0.50% · 4.625%
HK$169,956
+HK$8,510/mo
Deposit HK$3.35M · loan HK$30.19M · min. income ≈ HK$322,892/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$1,425,648 · Scale 2, in force from 26 Feb 2026)