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$76,524
−HK$4,798/mo
▼ 0.25% · 3.875%
HK$78,904
−HK$2,418/mo
Today · 4.125%
HK$81,322
baseline
▲ 0.50% · 4.625%
HK$86,270
+HK$4,948/mo
Deposit HK$16.78M · loan HK$16.78M · min. income ≈ HK$162,644/mo (50% DSR)
Upfront cash ≈ HK$18.21M (deposit + AVD stamp duty HK$1,426,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,132
−HK$4,599/mo
▼ 0.25% · 3.875%
HK$87,415
−HK$2,316/mo
Today · 4.125%
HK$89,731
baseline
▲ 0.50% · 4.625%
HK$94,461
+HK$4,730/mo
Deposit HK$16.78M · loan HK$16.78M · min. income ≈ HK$179,462/mo (50% DSR)
Upfront cash ≈ HK$18.21M (deposit + AVD stamp duty HK$1,426,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,828
−HK$5,759/mo
▼ 0.25% · 3.875%
HK$94,685
−HK$2,902/mo
Today · 4.125%
HK$97,587
baseline
▲ 0.50% · 4.625%
HK$103,525
+HK$5,938/mo
Deposit HK$13.42M · loan HK$20.14M · min. income ≈ HK$195,174/mo (50% DSR)
Upfront cash ≈ HK$14.85M (deposit + AVD stamp duty HK$1,426,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,158
−HK$5,519/mo
▼ 0.25% · 3.875%
HK$104,898
−HK$2,779/mo
Today · 4.125%
HK$107,677
baseline
▲ 0.50% · 4.625%
HK$113,353
+HK$5,676/mo
Deposit HK$13.42M · loan HK$20.14M · min. income ≈ HK$215,354/mo (50% DSR)
Upfront cash ≈ HK$14.85M (deposit + AVD stamp duty HK$1,426,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,133
−HK$6,718/mo
▼ 0.25% · 3.875%
HK$110,465
−HK$3,386/mo
Today · 4.125%
HK$113,851
baseline
▲ 0.50% · 4.625%
HK$120,779
+HK$6,928/mo
Deposit HK$10.07M · loan HK$23.49M · min. income ≈ HK$227,702/mo (50% DSR)
Upfront cash ≈ HK$11.49M (deposit + AVD stamp duty HK$1,426,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,184
−HK$6,439/mo
▼ 0.25% · 3.875%
HK$122,381
−HK$3,242/mo
Today · 4.125%
HK$125,623
baseline
▲ 0.50% · 4.625%
HK$132,245
+HK$6,622/mo
Deposit HK$10.07M · loan HK$23.49M · min. income ≈ HK$251,246/mo (50% DSR)
Upfront cash ≈ HK$11.49M (deposit + AVD stamp duty HK$1,426,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,742
−HK$8,638/mo
▼ 0.25% · 3.875%
HK$142,027
−HK$4,353/mo
Today · 4.125%
HK$146,380
baseline
▲ 0.50% · 4.625%
HK$155,287
+HK$8,907/mo
Deposit HK$3.36M · loan HK$30.20M · min. income ≈ HK$292,760/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$1,426,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,237
−HK$8,279/mo
▼ 0.25% · 3.875%
HK$157,347
−HK$4,169/mo
Today · 4.125%
HK$161,516
baseline
▲ 0.50% · 4.625%
HK$170,030
+HK$8,514/mo
Deposit HK$3.36M · loan HK$30.20M · min. income ≈ HK$323,032/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$1,426,266 · Scale 2, in force from 26 Feb 2026)