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$76,213
−HK$4,779/mo
▼ 0.25% · 3.875%
HK$78,584
−HK$2,408/mo
Today · 4.125%
HK$80,992
baseline
▲ 0.50% · 4.625%
HK$85,920
+HK$4,928/mo
Deposit HK$16.71M · loan HK$16.71M · min. income ≈ HK$161,984/mo (50% DSR)
Upfront cash ≈ HK$18.13M (deposit + AVD stamp duty HK$1,420,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,786
−HK$4,581/mo
▼ 0.25% · 3.875%
HK$87,060
−HK$2,307/mo
Today · 4.125%
HK$89,367
baseline
▲ 0.50% · 4.625%
HK$94,077
+HK$4,710/mo
Deposit HK$16.71M · loan HK$16.71M · min. income ≈ HK$178,734/mo (50% DSR)
Upfront cash ≈ HK$18.13M (deposit + AVD stamp duty HK$1,420,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,455
−HK$5,736/mo
▼ 0.25% · 3.875%
HK$94,300
−HK$2,891/mo
Today · 4.125%
HK$97,191
baseline
▲ 0.50% · 4.625%
HK$103,104
+HK$5,913/mo
Deposit HK$13.37M · loan HK$20.05M · min. income ≈ HK$194,382/mo (50% DSR)
Upfront cash ≈ HK$14.79M (deposit + AVD stamp duty HK$1,420,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,743
−HK$5,497/mo
▼ 0.25% · 3.875%
HK$104,472
−HK$2,768/mo
Today · 4.125%
HK$107,240
baseline
▲ 0.50% · 4.625%
HK$112,893
+HK$5,653/mo
Deposit HK$13.37M · loan HK$20.05M · min. income ≈ HK$214,480/mo (50% DSR)
Upfront cash ≈ HK$14.79M (deposit + AVD stamp duty HK$1,420,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,698
−HK$6,691/mo
▼ 0.25% · 3.875%
HK$110,017
−HK$3,372/mo
Today · 4.125%
HK$113,389
baseline
▲ 0.50% · 4.625%
HK$120,288
+HK$6,899/mo
Deposit HK$10.03M · loan HK$23.40M · min. income ≈ HK$226,778/mo (50% DSR)
Upfront cash ≈ HK$11.45M (deposit + AVD stamp duty HK$1,420,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,701
−HK$6,413/mo
▼ 0.25% · 3.875%
HK$121,884
−HK$3,230/mo
Today · 4.125%
HK$125,114
baseline
▲ 0.50% · 4.625%
HK$131,708
+HK$6,594/mo
Deposit HK$10.03M · loan HK$23.40M · min. income ≈ HK$250,228/mo (50% DSR)
Upfront cash ≈ HK$11.45M (deposit + AVD stamp duty HK$1,420,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,183
−HK$8,603/mo
▼ 0.25% · 3.875%
HK$141,450
−HK$4,336/mo
Today · 4.125%
HK$145,786
baseline
▲ 0.50% · 4.625%
HK$154,657
+HK$8,871/mo
Deposit HK$3.34M · loan HK$30.08M · min. income ≈ HK$291,572/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$1,420,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,615
−HK$8,245/mo
▼ 0.25% · 3.875%
HK$156,708
−HK$4,152/mo
Today · 4.125%
HK$160,860
baseline
▲ 0.50% · 4.625%
HK$169,339
+HK$8,479/mo
Deposit HK$3.34M · loan HK$30.08M · min. income ≈ HK$321,720/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$1,420,476 · Scale 2, in force from 26 Feb 2026)