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$76,290
−HK$4,785/mo
▼ 0.25% · 3.875%
HK$78,664
−HK$2,411/mo
Today · 4.125%
HK$81,075
baseline
▲ 0.50% · 4.625%
HK$86,008
+HK$4,933/mo
Deposit HK$16.73M · loan HK$16.73M · min. income ≈ HK$162,150/mo (50% DSR)
Upfront cash ≈ HK$18.15M (deposit + AVD stamp duty HK$1,421,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,872
−HK$4,586/mo
▼ 0.25% · 3.875%
HK$87,149
−HK$2,309/mo
Today · 4.125%
HK$89,458
baseline
▲ 0.50% · 4.625%
HK$94,173
+HK$4,715/mo
Deposit HK$16.73M · loan HK$16.73M · min. income ≈ HK$178,916/mo (50% DSR)
Upfront cash ≈ HK$18.15M (deposit + AVD stamp duty HK$1,421,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,549
−HK$5,740/mo
▼ 0.25% · 3.875%
HK$94,396
−HK$2,893/mo
Today · 4.125%
HK$97,289
baseline
▲ 0.50% · 4.625%
HK$103,209
+HK$5,920/mo
Deposit HK$13.38M · loan HK$20.07M · min. income ≈ HK$194,578/mo (50% DSR)
Upfront cash ≈ HK$14.80M (deposit + AVD stamp duty HK$1,421,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,847
−HK$5,502/mo
▼ 0.25% · 3.875%
HK$104,578
−HK$2,771/mo
Today · 4.125%
HK$107,349
baseline
▲ 0.50% · 4.625%
HK$113,008
+HK$5,659/mo
Deposit HK$13.38M · loan HK$20.07M · min. income ≈ HK$214,698/mo (50% DSR)
Upfront cash ≈ HK$14.80M (deposit + AVD stamp duty HK$1,421,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,807
−HK$6,697/mo
▼ 0.25% · 3.875%
HK$110,129
−HK$3,375/mo
Today · 4.125%
HK$113,504
baseline
▲ 0.50% · 4.625%
HK$120,411
+HK$6,907/mo
Deposit HK$10.04M · loan HK$23.42M · min. income ≈ HK$227,008/mo (50% DSR)
Upfront cash ≈ HK$11.46M (deposit + AVD stamp duty HK$1,421,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,821
−HK$6,420/mo
▼ 0.25% · 3.875%
HK$122,008
−HK$3,233/mo
Today · 4.125%
HK$125,241
baseline
▲ 0.50% · 4.625%
HK$131,843
+HK$6,602/mo
Deposit HK$10.04M · loan HK$23.42M · min. income ≈ HK$250,482/mo (50% DSR)
Upfront cash ≈ HK$11.46M (deposit + AVD stamp duty HK$1,421,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,323
−HK$8,611/mo
▼ 0.25% · 3.875%
HK$141,594
−HK$4,340/mo
Today · 4.125%
HK$145,934
baseline
▲ 0.50% · 4.625%
HK$154,814
+HK$8,880/mo
Deposit HK$3.35M · loan HK$30.11M · min. income ≈ HK$291,868/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$1,421,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,770
−HK$8,254/mo
▼ 0.25% · 3.875%
HK$156,868
−HK$4,156/mo
Today · 4.125%
HK$161,024
baseline
▲ 0.50% · 4.625%
HK$169,512
+HK$8,488/mo
Deposit HK$3.35M · loan HK$30.11M · min. income ≈ HK$322,048/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$1,421,922 · Scale 2, in force from 26 Feb 2026)