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$76,270
−HK$4,782/mo
▼ 0.25% · 3.875%
HK$78,642
−HK$2,410/mo
Today · 4.125%
HK$81,052
baseline
▲ 0.50% · 4.625%
HK$85,984
+HK$4,932/mo
Deposit HK$16.72M · loan HK$16.72M · min. income ≈ HK$162,104/mo (50% DSR)
Upfront cash ≈ HK$18.15M (deposit + AVD stamp duty HK$1,421,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,849
−HK$4,584/mo
▼ 0.25% · 3.875%
HK$87,125
−HK$2,308/mo
Today · 4.125%
HK$89,433
baseline
▲ 0.50% · 4.625%
HK$94,148
+HK$4,715/mo
Deposit HK$16.72M · loan HK$16.72M · min. income ≈ HK$178,866/mo (50% DSR)
Upfront cash ≈ HK$18.15M (deposit + AVD stamp duty HK$1,421,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,524
−HK$5,739/mo
▼ 0.25% · 3.875%
HK$94,370
−HK$2,893/mo
Today · 4.125%
HK$97,263
baseline
▲ 0.50% · 4.625%
HK$103,181
+HK$5,918/mo
Deposit HK$13.38M · loan HK$20.07M · min. income ≈ HK$194,526/mo (50% DSR)
Upfront cash ≈ HK$14.80M (deposit + AVD stamp duty HK$1,421,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,819
−HK$5,501/mo
▼ 0.25% · 3.875%
HK$104,550
−HK$2,770/mo
Today · 4.125%
HK$107,320
baseline
▲ 0.50% · 4.625%
HK$112,977
+HK$5,657/mo
Deposit HK$13.38M · loan HK$20.07M · min. income ≈ HK$214,640/mo (50% DSR)
Upfront cash ≈ HK$14.80M (deposit + AVD stamp duty HK$1,421,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,778
−HK$6,695/mo
▼ 0.25% · 3.875%
HK$110,099
−HK$3,374/mo
Today · 4.125%
HK$113,473
baseline
▲ 0.50% · 4.625%
HK$120,378
+HK$6,905/mo
Deposit HK$10.03M · loan HK$23.41M · min. income ≈ HK$226,946/mo (50% DSR)
Upfront cash ≈ HK$11.46M (deposit + AVD stamp duty HK$1,421,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,789
−HK$6,418/mo
▼ 0.25% · 3.875%
HK$121,975
−HK$3,232/mo
Today · 4.125%
HK$125,207
baseline
▲ 0.50% · 4.625%
HK$131,807
+HK$6,600/mo
Deposit HK$10.03M · loan HK$23.41M · min. income ≈ HK$250,414/mo (50% DSR)
Upfront cash ≈ HK$11.46M (deposit + AVD stamp duty HK$1,421,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,285
−HK$8,609/mo
▼ 0.25% · 3.875%
HK$141,556
−HK$4,338/mo
Today · 4.125%
HK$145,894
baseline
▲ 0.50% · 4.625%
HK$154,772
+HK$8,878/mo
Deposit HK$3.34M · loan HK$30.10M · min. income ≈ HK$291,788/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$1,421,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,729
−HK$8,251/mo
▼ 0.25% · 3.875%
HK$156,825
−HK$4,155/mo
Today · 4.125%
HK$160,980
baseline
▲ 0.50% · 4.625%
HK$169,466
+HK$8,486/mo
Deposit HK$3.34M · loan HK$30.10M · min. income ≈ HK$321,960/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$1,421,534 · Scale 2, in force from 26 Feb 2026)