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$76,317
−HK$4,786/mo
▼ 0.25% · 3.875%
HK$78,691
−HK$2,412/mo
Today · 4.125%
HK$81,103
baseline
▲ 0.50% · 4.625%
HK$86,038
+HK$4,935/mo
Deposit HK$16.73M · loan HK$16.73M · min. income ≈ HK$162,206/mo (50% DSR)
Upfront cash ≈ HK$18.16M (deposit + AVD stamp duty HK$1,422,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,902
−HK$4,587/mo
▼ 0.25% · 3.875%
HK$87,179
−HK$2,310/mo
Today · 4.125%
HK$89,489
baseline
▲ 0.50% · 4.625%
HK$94,206
+HK$4,717/mo
Deposit HK$16.73M · loan HK$16.73M · min. income ≈ HK$178,978/mo (50% DSR)
Upfront cash ≈ HK$18.16M (deposit + AVD stamp duty HK$1,422,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,581
−HK$5,743/mo
▼ 0.25% · 3.875%
HK$94,430
−HK$2,894/mo
Today · 4.125%
HK$97,324
baseline
▲ 0.50% · 4.625%
HK$103,246
+HK$5,922/mo
Deposit HK$13.39M · loan HK$20.08M · min. income ≈ HK$194,648/mo (50% DSR)
Upfront cash ≈ HK$14.81M (deposit + AVD stamp duty HK$1,422,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,883
−HK$5,504/mo
▼ 0.25% · 3.875%
HK$104,615
−HK$2,772/mo
Today · 4.125%
HK$107,387
baseline
▲ 0.50% · 4.625%
HK$113,048
+HK$5,661/mo
Deposit HK$13.39M · loan HK$20.08M · min. income ≈ HK$214,774/mo (50% DSR)
Upfront cash ≈ HK$14.81M (deposit + AVD stamp duty HK$1,422,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,844
−HK$6,700/mo
▼ 0.25% · 3.875%
HK$110,168
−HK$3,376/mo
Today · 4.125%
HK$113,544
baseline
▲ 0.50% · 4.625%
HK$120,453
+HK$6,909/mo
Deposit HK$10.04M · loan HK$23.43M · min. income ≈ HK$227,088/mo (50% DSR)
Upfront cash ≈ HK$11.46M (deposit + AVD stamp duty HK$1,422,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,863
−HK$6,422/mo
▼ 0.25% · 3.875%
HK$122,051
−HK$3,234/mo
Today · 4.125%
HK$125,285
baseline
▲ 0.50% · 4.625%
HK$131,889
+HK$6,604/mo
Deposit HK$10.04M · loan HK$23.43M · min. income ≈ HK$250,570/mo (50% DSR)
Upfront cash ≈ HK$11.46M (deposit + AVD stamp duty HK$1,422,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,371
−HK$8,615/mo
▼ 0.25% · 3.875%
HK$141,644
−HK$4,342/mo
Today · 4.125%
HK$145,986
baseline
▲ 0.50% · 4.625%
HK$154,869
+HK$8,883/mo
Deposit HK$3.35M · loan HK$30.12M · min. income ≈ HK$291,972/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$1,422,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,824
−HK$8,257/mo
▼ 0.25% · 3.875%
HK$156,923
−HK$4,158/mo
Today · 4.125%
HK$161,081
baseline
▲ 0.50% · 4.625%
HK$169,572
+HK$8,491/mo
Deposit HK$3.35M · loan HK$30.12M · min. income ≈ HK$322,162/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$1,422,423 · Scale 2, in force from 26 Feb 2026)