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$76,220
−HK$4,780/mo
▼ 0.25% · 3.875%
HK$78,591
−HK$2,409/mo
Today · 4.125%
HK$81,000
baseline
▲ 0.50% · 4.625%
HK$85,928
+HK$4,928/mo
Deposit HK$16.71M · loan HK$16.71M · min. income ≈ HK$162,000/mo (50% DSR)
Upfront cash ≈ HK$18.13M (deposit + AVD stamp duty HK$1,420,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,794
−HK$4,581/mo
▼ 0.25% · 3.875%
HK$87,068
−HK$2,307/mo
Today · 4.125%
HK$89,375
baseline
▲ 0.50% · 4.625%
HK$94,086
+HK$4,711/mo
Deposit HK$16.71M · loan HK$16.71M · min. income ≈ HK$178,750/mo (50% DSR)
Upfront cash ≈ HK$18.13M (deposit + AVD stamp duty HK$1,420,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,464
−HK$5,736/mo
▼ 0.25% · 3.875%
HK$94,309
−HK$2,891/mo
Today · 4.125%
HK$97,200
baseline
▲ 0.50% · 4.625%
HK$103,114
+HK$5,914/mo
Deposit HK$13.37M · loan HK$20.06M · min. income ≈ HK$194,400/mo (50% DSR)
Upfront cash ≈ HK$14.79M (deposit + AVD stamp duty HK$1,420,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,753
−HK$5,497/mo
▼ 0.25% · 3.875%
HK$104,482
−HK$2,768/mo
Today · 4.125%
HK$107,250
baseline
▲ 0.50% · 4.625%
HK$112,903
+HK$5,653/mo
Deposit HK$13.37M · loan HK$20.06M · min. income ≈ HK$214,500/mo (50% DSR)
Upfront cash ≈ HK$14.79M (deposit + AVD stamp duty HK$1,420,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,708
−HK$6,692/mo
▼ 0.25% · 3.875%
HK$110,027
−HK$3,373/mo
Today · 4.125%
HK$113,400
baseline
▲ 0.50% · 4.625%
HK$120,300
+HK$6,900/mo
Deposit HK$10.03M · loan HK$23.40M · min. income ≈ HK$226,800/mo (50% DSR)
Upfront cash ≈ HK$11.45M (deposit + AVD stamp duty HK$1,420,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,712
−HK$6,413/mo
▼ 0.25% · 3.875%
HK$121,895
−HK$3,230/mo
Today · 4.125%
HK$125,125
baseline
▲ 0.50% · 4.625%
HK$131,721
+HK$6,596/mo
Deposit HK$10.03M · loan HK$23.40M · min. income ≈ HK$250,250/mo (50% DSR)
Upfront cash ≈ HK$11.45M (deposit + AVD stamp duty HK$1,420,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,196
−HK$8,603/mo
▼ 0.25% · 3.875%
HK$141,464
−HK$4,335/mo
Today · 4.125%
HK$145,799
baseline
▲ 0.50% · 4.625%
HK$154,671
+HK$8,872/mo
Deposit HK$3.34M · loan HK$30.08M · min. income ≈ HK$291,598/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$1,420,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,629
−HK$8,246/mo
▼ 0.25% · 3.875%
HK$156,723
−HK$4,152/mo
Today · 4.125%
HK$160,875
baseline
▲ 0.50% · 4.625%
HK$169,355
+HK$8,480/mo
Deposit HK$3.34M · loan HK$30.08M · min. income ≈ HK$321,750/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$1,420,608 · Scale 2, in force from 26 Feb 2026)