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$76,205
−HK$4,779/mo
▼ 0.25% · 3.875%
HK$78,576
−HK$2,408/mo
Today · 4.125%
HK$80,984
baseline
▲ 0.50% · 4.625%
HK$85,912
+HK$4,928/mo
Deposit HK$16.71M · loan HK$16.71M · min. income ≈ HK$161,968/mo (50% DSR)
Upfront cash ≈ HK$18.13M (deposit + AVD stamp duty HK$1,420,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,778
−HK$4,580/mo
▼ 0.25% · 3.875%
HK$87,051
−HK$2,307/mo
Today · 4.125%
HK$89,358
baseline
▲ 0.50% · 4.625%
HK$94,068
+HK$4,710/mo
Deposit HK$16.71M · loan HK$16.71M · min. income ≈ HK$178,716/mo (50% DSR)
Upfront cash ≈ HK$18.13M (deposit + AVD stamp duty HK$1,420,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,446
−HK$5,735/mo
▼ 0.25% · 3.875%
HK$94,291
−HK$2,890/mo
Today · 4.125%
HK$97,181
baseline
▲ 0.50% · 4.625%
HK$103,094
+HK$5,913/mo
Deposit HK$13.37M · loan HK$20.05M · min. income ≈ HK$194,362/mo (50% DSR)
Upfront cash ≈ HK$14.79M (deposit + AVD stamp duty HK$1,420,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,733
−HK$5,497/mo
▼ 0.25% · 3.875%
HK$104,462
−HK$2,768/mo
Today · 4.125%
HK$107,230
baseline
▲ 0.50% · 4.625%
HK$112,882
+HK$5,652/mo
Deposit HK$13.37M · loan HK$20.05M · min. income ≈ HK$214,460/mo (50% DSR)
Upfront cash ≈ HK$14.79M (deposit + AVD stamp duty HK$1,420,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,687
−HK$6,691/mo
▼ 0.25% · 3.875%
HK$110,006
−HK$3,372/mo
Today · 4.125%
HK$113,378
baseline
▲ 0.50% · 4.625%
HK$120,276
+HK$6,898/mo
Deposit HK$10.03M · loan HK$23.39M · min. income ≈ HK$226,756/mo (50% DSR)
Upfront cash ≈ HK$11.45M (deposit + AVD stamp duty HK$1,420,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,689
−HK$6,412/mo
▼ 0.25% · 3.875%
HK$121,872
−HK$3,229/mo
Today · 4.125%
HK$125,101
baseline
▲ 0.50% · 4.625%
HK$131,695
+HK$6,594/mo
Deposit HK$10.03M · loan HK$23.39M · min. income ≈ HK$250,202/mo (50% DSR)
Upfront cash ≈ HK$11.45M (deposit + AVD stamp duty HK$1,420,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,170
−HK$8,601/mo
▼ 0.25% · 3.875%
HK$141,436
−HK$4,335/mo
Today · 4.125%
HK$145,771
baseline
▲ 0.50% · 4.625%
HK$154,641
+HK$8,870/mo
Deposit HK$3.34M · loan HK$30.08M · min. income ≈ HK$291,542/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$1,420,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,600
−HK$8,244/mo
▼ 0.25% · 3.875%
HK$156,692
−HK$4,152/mo
Today · 4.125%
HK$160,844
baseline
▲ 0.50% · 4.625%
HK$169,323
+HK$8,479/mo
Deposit HK$3.34M · loan HK$30.08M · min. income ≈ HK$321,688/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$1,420,335 · Scale 2, in force from 26 Feb 2026)