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$76,287
−HK$4,784/mo
▼ 0.25% · 3.875%
HK$78,660
−HK$2,411/mo
Today · 4.125%
HK$81,071
baseline
▲ 0.50% · 4.625%
HK$86,004
+HK$4,933/mo
Deposit HK$16.73M · loan HK$16.73M · min. income ≈ HK$162,142/mo (50% DSR)
Upfront cash ≈ HK$18.15M (deposit + AVD stamp duty HK$1,421,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,869
−HK$4,585/mo
▼ 0.25% · 3.875%
HK$87,145
−HK$2,309/mo
Today · 4.125%
HK$89,454
baseline
▲ 0.50% · 4.625%
HK$94,169
+HK$4,715/mo
Deposit HK$16.73M · loan HK$16.73M · min. income ≈ HK$178,908/mo (50% DSR)
Upfront cash ≈ HK$18.15M (deposit + AVD stamp duty HK$1,421,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,545
−HK$5,740/mo
▼ 0.25% · 3.875%
HK$94,392
−HK$2,893/mo
Today · 4.125%
HK$97,285
baseline
▲ 0.50% · 4.625%
HK$103,205
+HK$5,920/mo
Deposit HK$13.38M · loan HK$20.07M · min. income ≈ HK$194,570/mo (50% DSR)
Upfront cash ≈ HK$14.80M (deposit + AVD stamp duty HK$1,421,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,843
−HK$5,502/mo
▼ 0.25% · 3.875%
HK$104,574
−HK$2,771/mo
Today · 4.125%
HK$107,345
baseline
▲ 0.50% · 4.625%
HK$113,003
+HK$5,658/mo
Deposit HK$13.38M · loan HK$20.07M · min. income ≈ HK$214,690/mo (50% DSR)
Upfront cash ≈ HK$14.80M (deposit + AVD stamp duty HK$1,421,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,802
−HK$6,698/mo
▼ 0.25% · 3.875%
HK$110,124
−HK$3,376/mo
Today · 4.125%
HK$113,500
baseline
▲ 0.50% · 4.625%
HK$120,406
+HK$6,906/mo
Deposit HK$10.04M · loan HK$23.42M · min. income ≈ HK$227,000/mo (50% DSR)
Upfront cash ≈ HK$11.46M (deposit + AVD stamp duty HK$1,421,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,816
−HK$6,420/mo
▼ 0.25% · 3.875%
HK$122,003
−HK$3,233/mo
Today · 4.125%
HK$125,236
baseline
▲ 0.50% · 4.625%
HK$131,837
+HK$6,601/mo
Deposit HK$10.04M · loan HK$23.42M · min. income ≈ HK$250,472/mo (50% DSR)
Upfront cash ≈ HK$11.46M (deposit + AVD stamp duty HK$1,421,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,317
−HK$8,611/mo
▼ 0.25% · 3.875%
HK$141,588
−HK$4,340/mo
Today · 4.125%
HK$145,928
baseline
▲ 0.50% · 4.625%
HK$154,807
+HK$8,879/mo
Deposit HK$3.35M · loan HK$30.11M · min. income ≈ HK$291,856/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$1,421,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,764
−HK$8,253/mo
▼ 0.25% · 3.875%
HK$156,861
−HK$4,156/mo
Today · 4.125%
HK$161,017
baseline
▲ 0.50% · 4.625%
HK$169,505
+HK$8,488/mo
Deposit HK$3.35M · loan HK$30.11M · min. income ≈ HK$322,034/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$1,421,861 · Scale 2, in force from 26 Feb 2026)