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$76,640
−HK$4,806/mo
▼ 0.25% · 3.875%
HK$79,024
−HK$2,422/mo
Today · 4.125%
HK$81,446
baseline
▲ 0.50% · 4.625%
HK$86,402
+HK$4,956/mo
Deposit HK$16.81M · loan HK$16.81M · min. income ≈ HK$162,892/mo (50% DSR)
Upfront cash ≈ HK$18.23M (deposit + AVD stamp duty HK$1,428,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,261
−HK$4,607/mo
▼ 0.25% · 3.875%
HK$87,548
−HK$2,320/mo
Today · 4.125%
HK$89,868
baseline
▲ 0.50% · 4.625%
HK$94,605
+HK$4,737/mo
Deposit HK$16.81M · loan HK$16.81M · min. income ≈ HK$179,736/mo (50% DSR)
Upfront cash ≈ HK$18.23M (deposit + AVD stamp duty HK$1,428,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,968
−HK$5,767/mo
▼ 0.25% · 3.875%
HK$94,829
−HK$2,906/mo
Today · 4.125%
HK$97,735
baseline
▲ 0.50% · 4.625%
HK$103,682
+HK$5,947/mo
Deposit HK$13.44M · loan HK$20.17M · min. income ≈ HK$195,470/mo (50% DSR)
Upfront cash ≈ HK$14.87M (deposit + AVD stamp duty HK$1,428,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,313
−HK$5,528/mo
▼ 0.25% · 3.875%
HK$105,057
−HK$2,784/mo
Today · 4.125%
HK$107,841
baseline
▲ 0.50% · 4.625%
HK$113,526
+HK$5,685/mo
Deposit HK$13.44M · loan HK$20.17M · min. income ≈ HK$215,682/mo (50% DSR)
Upfront cash ≈ HK$14.87M (deposit + AVD stamp duty HK$1,428,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,296
−HK$6,728/mo
▼ 0.25% · 3.875%
HK$110,633
−HK$3,391/mo
Today · 4.125%
HK$114,024
baseline
▲ 0.50% · 4.625%
HK$120,962
+HK$6,938/mo
Deposit HK$10.08M · loan HK$23.53M · min. income ≈ HK$228,048/mo (50% DSR)
Upfront cash ≈ HK$11.51M (deposit + AVD stamp duty HK$1,428,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,366
−HK$6,449/mo
▼ 0.25% · 3.875%
HK$122,567
−HK$3,248/mo
Today · 4.125%
HK$125,815
baseline
▲ 0.50% · 4.625%
HK$132,446
+HK$6,631/mo
Deposit HK$10.08M · loan HK$23.53M · min. income ≈ HK$251,630/mo (50% DSR)
Upfront cash ≈ HK$11.51M (deposit + AVD stamp duty HK$1,428,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,952
−HK$8,651/mo
▼ 0.25% · 3.875%
HK$142,243
−HK$4,360/mo
Today · 4.125%
HK$146,603
baseline
▲ 0.50% · 4.625%
HK$155,523
+HK$8,920/mo
Deposit HK$3.36M · loan HK$30.25M · min. income ≈ HK$293,206/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$1,428,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,470
−HK$8,292/mo
▼ 0.25% · 3.875%
HK$157,586
−HK$4,176/mo
Today · 4.125%
HK$161,762
baseline
▲ 0.50% · 4.625%
HK$170,288
+HK$8,526/mo
Deposit HK$3.36M · loan HK$30.25M · min. income ≈ HK$323,524/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$1,428,435 · Scale 2, in force from 26 Feb 2026)