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$76,236
−HK$4,780/mo
▼ 0.25% · 3.875%
HK$78,607
−HK$2,409/mo
Today · 4.125%
HK$81,016
baseline
▲ 0.50% · 4.625%
HK$85,946
+HK$4,930/mo
Deposit HK$16.72M · loan HK$16.72M · min. income ≈ HK$162,032/mo (50% DSR)
Upfront cash ≈ HK$18.14M (deposit + AVD stamp duty HK$1,420,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,811
−HK$4,582/mo
▼ 0.25% · 3.875%
HK$87,086
−HK$2,307/mo
Today · 4.125%
HK$89,393
baseline
▲ 0.50% · 4.625%
HK$94,105
+HK$4,712/mo
Deposit HK$16.72M · loan HK$16.72M · min. income ≈ HK$178,786/mo (50% DSR)
Upfront cash ≈ HK$18.14M (deposit + AVD stamp duty HK$1,420,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,483
−HK$5,736/mo
▼ 0.25% · 3.875%
HK$94,328
−HK$2,891/mo
Today · 4.125%
HK$97,219
baseline
▲ 0.50% · 4.625%
HK$103,135
+HK$5,916/mo
Deposit HK$13.37M · loan HK$20.06M · min. income ≈ HK$194,438/mo (50% DSR)
Upfront cash ≈ HK$14.79M (deposit + AVD stamp duty HK$1,420,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,774
−HK$5,498/mo
▼ 0.25% · 3.875%
HK$104,503
−HK$2,769/mo
Today · 4.125%
HK$107,272
baseline
▲ 0.50% · 4.625%
HK$112,927
+HK$5,655/mo
Deposit HK$13.37M · loan HK$20.06M · min. income ≈ HK$214,544/mo (50% DSR)
Upfront cash ≈ HK$14.79M (deposit + AVD stamp duty HK$1,420,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,730
−HK$6,693/mo
▼ 0.25% · 3.875%
HK$110,050
−HK$3,373/mo
Today · 4.125%
HK$113,423
baseline
▲ 0.50% · 4.625%
HK$120,324
+HK$6,901/mo
Deposit HK$10.03M · loan HK$23.40M · min. income ≈ HK$226,846/mo (50% DSR)
Upfront cash ≈ HK$11.45M (deposit + AVD stamp duty HK$1,420,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,736
−HK$6,415/mo
▼ 0.25% · 3.875%
HK$121,920
−HK$3,231/mo
Today · 4.125%
HK$125,151
baseline
▲ 0.50% · 4.625%
HK$131,748
+HK$6,597/mo
Deposit HK$10.03M · loan HK$23.40M · min. income ≈ HK$250,302/mo (50% DSR)
Upfront cash ≈ HK$11.45M (deposit + AVD stamp duty HK$1,420,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,224
−HK$8,605/mo
▼ 0.25% · 3.875%
HK$141,492
−HK$4,337/mo
Today · 4.125%
HK$145,829
baseline
▲ 0.50% · 4.625%
HK$154,703
+HK$8,874/mo
Deposit HK$3.34M · loan HK$30.09M · min. income ≈ HK$291,658/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$1,420,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,660
−HK$8,248/mo
▼ 0.25% · 3.875%
HK$156,755
−HK$4,153/mo
Today · 4.125%
HK$160,908
baseline
▲ 0.50% · 4.625%
HK$169,390
+HK$8,482/mo
Deposit HK$3.34M · loan HK$30.09M · min. income ≈ HK$321,816/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$1,420,898 · Scale 2, in force from 26 Feb 2026)