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$76,656
−HK$4,807/mo
▼ 0.25% · 3.875%
HK$79,040
−HK$2,423/mo
Today · 4.125%
HK$81,463
baseline
▲ 0.50% · 4.625%
HK$86,420
+HK$4,957/mo
Deposit HK$16.81M · loan HK$16.81M · min. income ≈ HK$162,926/mo (50% DSR)
Upfront cash ≈ HK$18.24M (deposit + AVD stamp duty HK$1,428,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,279
−HK$4,607/mo
▼ 0.25% · 3.875%
HK$87,566
−HK$2,320/mo
Today · 4.125%
HK$89,886
baseline
▲ 0.50% · 4.625%
HK$94,624
+HK$4,738/mo
Deposit HK$16.81M · loan HK$16.81M · min. income ≈ HK$179,772/mo (50% DSR)
Upfront cash ≈ HK$18.24M (deposit + AVD stamp duty HK$1,428,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,987
−HK$5,768/mo
▼ 0.25% · 3.875%
HK$94,848
−HK$2,907/mo
Today · 4.125%
HK$97,755
baseline
▲ 0.50% · 4.625%
HK$103,703
+HK$5,948/mo
Deposit HK$13.45M · loan HK$20.17M · min. income ≈ HK$195,510/mo (50% DSR)
Upfront cash ≈ HK$14.88M (deposit + AVD stamp duty HK$1,428,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,334
−HK$5,529/mo
▼ 0.25% · 3.875%
HK$105,079
−HK$2,784/mo
Today · 4.125%
HK$107,863
baseline
▲ 0.50% · 4.625%
HK$113,549
+HK$5,686/mo
Deposit HK$13.45M · loan HK$20.17M · min. income ≈ HK$215,726/mo (50% DSR)
Upfront cash ≈ HK$14.88M (deposit + AVD stamp duty HK$1,428,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,318
−HK$6,730/mo
▼ 0.25% · 3.875%
HK$110,656
−HK$3,392/mo
Today · 4.125%
HK$114,048
baseline
▲ 0.50% · 4.625%
HK$120,987
+HK$6,939/mo
Deposit HK$10.09M · loan HK$23.53M · min. income ≈ HK$228,096/mo (50% DSR)
Upfront cash ≈ HK$11.51M (deposit + AVD stamp duty HK$1,428,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,390
−HK$6,451/mo
▼ 0.25% · 3.875%
HK$122,592
−HK$3,249/mo
Today · 4.125%
HK$125,841
baseline
▲ 0.50% · 4.625%
HK$132,474
+HK$6,633/mo
Deposit HK$10.09M · loan HK$23.53M · min. income ≈ HK$251,682/mo (50% DSR)
Upfront cash ≈ HK$11.51M (deposit + AVD stamp duty HK$1,428,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,980
−HK$8,653/mo
▼ 0.25% · 3.875%
HK$142,272
−HK$4,361/mo
Today · 4.125%
HK$146,633
baseline
▲ 0.50% · 4.625%
HK$155,555
+HK$8,922/mo
Deposit HK$3.36M · loan HK$30.26M · min. income ≈ HK$293,266/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$1,428,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,502
−HK$8,293/mo
▼ 0.25% · 3.875%
HK$157,619
−HK$4,176/mo
Today · 4.125%
HK$161,795
baseline
▲ 0.50% · 4.625%
HK$170,323
+HK$8,528/mo
Deposit HK$3.36M · loan HK$30.26M · min. income ≈ HK$323,590/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$1,428,730 · Scale 2, in force from 26 Feb 2026)