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$76,326
−HK$4,786/mo
▼ 0.25% · 3.875%
HK$78,700
−HK$2,412/mo
Today · 4.125%
HK$81,112
baseline
▲ 0.50% · 4.625%
HK$86,048
+HK$4,936/mo
Deposit HK$16.74M · loan HK$16.74M · min. income ≈ HK$162,224/mo (50% DSR)
Upfront cash ≈ HK$18.16M (deposit + AVD stamp duty HK$1,422,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,912
−HK$4,587/mo
▼ 0.25% · 3.875%
HK$87,189
−HK$2,310/mo
Today · 4.125%
HK$89,499
baseline
▲ 0.50% · 4.625%
HK$94,217
+HK$4,718/mo
Deposit HK$16.74M · loan HK$16.74M · min. income ≈ HK$178,998/mo (50% DSR)
Upfront cash ≈ HK$18.16M (deposit + AVD stamp duty HK$1,422,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,591
−HK$5,743/mo
▼ 0.25% · 3.875%
HK$94,440
−HK$2,894/mo
Today · 4.125%
HK$97,334
baseline
▲ 0.50% · 4.625%
HK$103,257
+HK$5,923/mo
Deposit HK$13.39M · loan HK$20.08M · min. income ≈ HK$194,668/mo (50% DSR)
Upfront cash ≈ HK$14.81M (deposit + AVD stamp duty HK$1,422,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,894
−HK$5,505/mo
▼ 0.25% · 3.875%
HK$104,627
−HK$2,772/mo
Today · 4.125%
HK$107,399
baseline
▲ 0.50% · 4.625%
HK$113,060
+HK$5,661/mo
Deposit HK$13.39M · loan HK$20.08M · min. income ≈ HK$214,798/mo (50% DSR)
Upfront cash ≈ HK$14.81M (deposit + AVD stamp duty HK$1,422,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,856
−HK$6,701/mo
▼ 0.25% · 3.875%
HK$110,180
−HK$3,377/mo
Today · 4.125%
HK$113,557
baseline
▲ 0.50% · 4.625%
HK$120,467
+HK$6,910/mo
Deposit HK$10.04M · loan HK$23.43M · min. income ≈ HK$227,114/mo (50% DSR)
Upfront cash ≈ HK$11.46M (deposit + AVD stamp duty HK$1,422,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,876
−HK$6,423/mo
▼ 0.25% · 3.875%
HK$122,064
−HK$3,235/mo
Today · 4.125%
HK$125,299
baseline
▲ 0.50% · 4.625%
HK$131,903
+HK$6,604/mo
Deposit HK$10.04M · loan HK$23.43M · min. income ≈ HK$250,598/mo (50% DSR)
Upfront cash ≈ HK$11.46M (deposit + AVD stamp duty HK$1,422,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,386
−HK$8,616/mo
▼ 0.25% · 3.875%
HK$141,660
−HK$4,342/mo
Today · 4.125%
HK$146,002
baseline
▲ 0.50% · 4.625%
HK$154,886
+HK$8,884/mo
Deposit HK$3.35M · loan HK$30.13M · min. income ≈ HK$292,004/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$1,422,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,841
−HK$8,257/mo
▼ 0.25% · 3.875%
HK$156,940
−HK$4,158/mo
Today · 4.125%
HK$161,098
baseline
▲ 0.50% · 4.625%
HK$169,590
+HK$8,492/mo
Deposit HK$3.35M · loan HK$30.13M · min. income ≈ HK$322,196/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$1,422,579 · Scale 2, in force from 26 Feb 2026)