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$76,347
−HK$4,788/mo
▼ 0.25% · 3.875%
HK$78,722
−HK$2,413/mo
Today · 4.125%
HK$81,135
baseline
▲ 0.50% · 4.625%
HK$86,072
+HK$4,937/mo
Deposit HK$16.74M · loan HK$16.74M · min. income ≈ HK$162,270/mo (50% DSR)
Upfront cash ≈ HK$18.16M (deposit + AVD stamp duty HK$1,422,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,936
−HK$4,589/mo
▼ 0.25% · 3.875%
HK$87,214
−HK$2,311/mo
Today · 4.125%
HK$89,525
baseline
▲ 0.50% · 4.625%
HK$94,244
+HK$4,719/mo
Deposit HK$16.74M · loan HK$16.74M · min. income ≈ HK$179,050/mo (50% DSR)
Upfront cash ≈ HK$18.16M (deposit + AVD stamp duty HK$1,422,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,617
−HK$5,745/mo
▼ 0.25% · 3.875%
HK$94,467
−HK$2,895/mo
Today · 4.125%
HK$97,362
baseline
▲ 0.50% · 4.625%
HK$103,286
+HK$5,924/mo
Deposit HK$13.39M · loan HK$20.09M · min. income ≈ HK$194,724/mo (50% DSR)
Upfront cash ≈ HK$14.82M (deposit + AVD stamp duty HK$1,422,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,923
−HK$5,507/mo
▼ 0.25% · 3.875%
HK$104,656
−HK$2,774/mo
Today · 4.125%
HK$107,430
baseline
▲ 0.50% · 4.625%
HK$113,092
+HK$5,662/mo
Deposit HK$13.39M · loan HK$20.09M · min. income ≈ HK$214,860/mo (50% DSR)
Upfront cash ≈ HK$14.82M (deposit + AVD stamp duty HK$1,422,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,886
−HK$6,703/mo
▼ 0.25% · 3.875%
HK$110,211
−HK$3,378/mo
Today · 4.125%
HK$113,589
baseline
▲ 0.50% · 4.625%
HK$120,501
+HK$6,912/mo
Deposit HK$10.04M · loan HK$23.44M · min. income ≈ HK$227,178/mo (50% DSR)
Upfront cash ≈ HK$11.47M (deposit + AVD stamp duty HK$1,422,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,910
−HK$6,424/mo
▼ 0.25% · 3.875%
HK$122,099
−HK$3,235/mo
Today · 4.125%
HK$125,334
baseline
▲ 0.50% · 4.625%
HK$131,941
+HK$6,607/mo
Deposit HK$10.04M · loan HK$23.44M · min. income ≈ HK$250,668/mo (50% DSR)
Upfront cash ≈ HK$11.47M (deposit + AVD stamp duty HK$1,422,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,425
−HK$8,618/mo
▼ 0.25% · 3.875%
HK$141,700
−HK$4,343/mo
Today · 4.125%
HK$146,043
baseline
▲ 0.50% · 4.625%
HK$154,930
+HK$8,887/mo
Deposit HK$3.35M · loan HK$30.13M · min. income ≈ HK$292,086/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$1,422,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,884
−HK$8,260/mo
▼ 0.25% · 3.875%
HK$156,985
−HK$4,159/mo
Today · 4.125%
HK$161,144
baseline
▲ 0.50% · 4.625%
HK$169,638
+HK$8,494/mo
Deposit HK$3.35M · loan HK$30.13M · min. income ≈ HK$322,288/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$1,422,984 · Scale 2, in force from 26 Feb 2026)