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$76,301
−HK$4,784/mo
▼ 0.25% · 3.875%
HK$78,674
−HK$2,411/mo
Today · 4.125%
HK$81,085
baseline
▲ 0.50% · 4.625%
HK$86,019
+HK$4,934/mo
Deposit HK$16.73M · loan HK$16.73M · min. income ≈ HK$162,170/mo (50% DSR)
Upfront cash ≈ HK$18.15M (deposit + AVD stamp duty HK$1,422,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,884
−HK$4,586/mo
▼ 0.25% · 3.875%
HK$87,160
−HK$2,310/mo
Today · 4.125%
HK$89,470
baseline
▲ 0.50% · 4.625%
HK$94,186
+HK$4,716/mo
Deposit HK$16.73M · loan HK$16.73M · min. income ≈ HK$178,940/mo (50% DSR)
Upfront cash ≈ HK$18.15M (deposit + AVD stamp duty HK$1,422,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,561
−HK$5,742/mo
▼ 0.25% · 3.875%
HK$94,409
−HK$2,894/mo
Today · 4.125%
HK$97,303
baseline
▲ 0.50% · 4.625%
HK$103,223
+HK$5,920/mo
Deposit HK$13.38M · loan HK$20.08M · min. income ≈ HK$194,606/mo (50% DSR)
Upfront cash ≈ HK$14.81M (deposit + AVD stamp duty HK$1,422,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,861
−HK$5,503/mo
▼ 0.25% · 3.875%
HK$104,592
−HK$2,772/mo
Today · 4.125%
HK$107,364
baseline
▲ 0.50% · 4.625%
HK$113,023
+HK$5,659/mo
Deposit HK$13.38M · loan HK$20.08M · min. income ≈ HK$214,728/mo (50% DSR)
Upfront cash ≈ HK$14.81M (deposit + AVD stamp duty HK$1,422,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,821
−HK$6,699/mo
▼ 0.25% · 3.875%
HK$110,144
−HK$3,376/mo
Today · 4.125%
HK$113,520
baseline
▲ 0.50% · 4.625%
HK$120,427
+HK$6,907/mo
Deposit HK$10.04M · loan HK$23.42M · min. income ≈ HK$227,040/mo (50% DSR)
Upfront cash ≈ HK$11.46M (deposit + AVD stamp duty HK$1,422,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,837
−HK$6,421/mo
▼ 0.25% · 3.875%
HK$122,024
−HK$3,234/mo
Today · 4.125%
HK$125,258
baseline
▲ 0.50% · 4.625%
HK$131,860
+HK$6,602/mo
Deposit HK$10.04M · loan HK$23.42M · min. income ≈ HK$250,516/mo (50% DSR)
Upfront cash ≈ HK$11.46M (deposit + AVD stamp duty HK$1,422,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,341
−HK$8,613/mo
▼ 0.25% · 3.875%
HK$141,613
−HK$4,341/mo
Today · 4.125%
HK$145,954
baseline
▲ 0.50% · 4.625%
HK$154,835
+HK$8,881/mo
Deposit HK$3.35M · loan HK$30.12M · min. income ≈ HK$291,908/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$1,422,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,791
−HK$8,255/mo
▼ 0.25% · 3.875%
HK$156,889
−HK$4,157/mo
Today · 4.125%
HK$161,046
baseline
▲ 0.50% · 4.625%
HK$169,535
+HK$8,489/mo
Deposit HK$3.35M · loan HK$30.12M · min. income ≈ HK$322,092/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$1,422,113 · Scale 2, in force from 26 Feb 2026)