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$76,206
−HK$4,779/mo
▼ 0.25% · 3.875%
HK$78,577
−HK$2,408/mo
Today · 4.125%
HK$80,985
baseline
▲ 0.50% · 4.625%
HK$85,913
+HK$4,928/mo
Deposit HK$16.71M · loan HK$16.71M · min. income ≈ HK$161,970/mo (50% DSR)
Upfront cash ≈ HK$18.13M (deposit + AVD stamp duty HK$1,420,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,779
−HK$4,580/mo
▼ 0.25% · 3.875%
HK$87,052
−HK$2,307/mo
Today · 4.125%
HK$89,359
baseline
▲ 0.50% · 4.625%
HK$94,069
+HK$4,710/mo
Deposit HK$16.71M · loan HK$16.71M · min. income ≈ HK$178,718/mo (50% DSR)
Upfront cash ≈ HK$18.13M (deposit + AVD stamp duty HK$1,420,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,448
−HK$5,734/mo
▼ 0.25% · 3.875%
HK$94,292
−HK$2,890/mo
Today · 4.125%
HK$97,182
baseline
▲ 0.50% · 4.625%
HK$103,095
+HK$5,913/mo
Deposit HK$13.37M · loan HK$20.05M · min. income ≈ HK$194,364/mo (50% DSR)
Upfront cash ≈ HK$14.79M (deposit + AVD stamp duty HK$1,420,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,734
−HK$5,497/mo
▼ 0.25% · 3.875%
HK$104,463
−HK$2,768/mo
Today · 4.125%
HK$107,231
baseline
▲ 0.50% · 4.625%
HK$112,883
+HK$5,652/mo
Deposit HK$13.37M · loan HK$20.05M · min. income ≈ HK$214,462/mo (50% DSR)
Upfront cash ≈ HK$14.79M (deposit + AVD stamp duty HK$1,420,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,689
−HK$6,690/mo
▼ 0.25% · 3.875%
HK$110,007
−HK$3,372/mo
Today · 4.125%
HK$113,379
baseline
▲ 0.50% · 4.625%
HK$120,278
+HK$6,899/mo
Deposit HK$10.03M · loan HK$23.39M · min. income ≈ HK$226,758/mo (50% DSR)
Upfront cash ≈ HK$11.45M (deposit + AVD stamp duty HK$1,420,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,690
−HK$6,413/mo
▼ 0.25% · 3.875%
HK$121,873
−HK$3,230/mo
Today · 4.125%
HK$125,103
baseline
▲ 0.50% · 4.625%
HK$131,697
+HK$6,594/mo
Deposit HK$10.03M · loan HK$23.39M · min. income ≈ HK$250,206/mo (50% DSR)
Upfront cash ≈ HK$11.45M (deposit + AVD stamp duty HK$1,420,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,171
−HK$8,602/mo
▼ 0.25% · 3.875%
HK$141,438
−HK$4,335/mo
Today · 4.125%
HK$145,773
baseline
▲ 0.50% · 4.625%
HK$154,643
+HK$8,870/mo
Deposit HK$3.34M · loan HK$30.08M · min. income ≈ HK$291,546/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$1,420,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,602
−HK$8,244/mo
▼ 0.25% · 3.875%
HK$156,694
−HK$4,152/mo
Today · 4.125%
HK$160,846
baseline
▲ 0.50% · 4.625%
HK$169,325
+HK$8,479/mo
Deposit HK$3.34M · loan HK$30.08M · min. income ≈ HK$321,692/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$1,420,353 · Scale 2, in force from 26 Feb 2026)