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$76,356
−HK$4,788/mo
▼ 0.25% · 3.875%
HK$78,731
−HK$2,413/mo
Today · 4.125%
HK$81,144
baseline
▲ 0.50% · 4.625%
HK$86,082
+HK$4,938/mo
Deposit HK$16.74M · loan HK$16.74M · min. income ≈ HK$162,288/mo (50% DSR)
Upfront cash ≈ HK$18.17M (deposit + AVD stamp duty HK$1,423,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,945
−HK$4,590/mo
▼ 0.25% · 3.875%
HK$87,223
−HK$2,312/mo
Today · 4.125%
HK$89,535
baseline
▲ 0.50% · 4.625%
HK$94,254
+HK$4,719/mo
Deposit HK$16.74M · loan HK$16.74M · min. income ≈ HK$179,070/mo (50% DSR)
Upfront cash ≈ HK$18.17M (deposit + AVD stamp duty HK$1,423,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,627
−HK$5,746/mo
▼ 0.25% · 3.875%
HK$94,477
−HK$2,896/mo
Today · 4.125%
HK$97,373
baseline
▲ 0.50% · 4.625%
HK$103,298
+HK$5,925/mo
Deposit HK$13.39M · loan HK$20.09M · min. income ≈ HK$194,746/mo (50% DSR)
Upfront cash ≈ HK$14.82M (deposit + AVD stamp duty HK$1,423,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,934
−HK$5,507/mo
▼ 0.25% · 3.875%
HK$104,668
−HK$2,773/mo
Today · 4.125%
HK$107,441
baseline
▲ 0.50% · 4.625%
HK$113,105
+HK$5,664/mo
Deposit HK$13.39M · loan HK$20.09M · min. income ≈ HK$214,882/mo (50% DSR)
Upfront cash ≈ HK$14.82M (deposit + AVD stamp duty HK$1,423,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,898
−HK$6,704/mo
▼ 0.25% · 3.875%
HK$110,223
−HK$3,379/mo
Today · 4.125%
HK$113,602
baseline
▲ 0.50% · 4.625%
HK$120,514
+HK$6,912/mo
Deposit HK$10.05M · loan HK$23.44M · min. income ≈ HK$227,204/mo (50% DSR)
Upfront cash ≈ HK$11.47M (deposit + AVD stamp duty HK$1,423,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,923
−HK$6,425/mo
▼ 0.25% · 3.875%
HK$122,113
−HK$3,235/mo
Today · 4.125%
HK$125,348
baseline
▲ 0.50% · 4.625%
HK$131,956
+HK$6,608/mo
Deposit HK$10.05M · loan HK$23.44M · min. income ≈ HK$250,696/mo (50% DSR)
Upfront cash ≈ HK$11.47M (deposit + AVD stamp duty HK$1,423,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,441
−HK$8,618/mo
▼ 0.25% · 3.875%
HK$141,716
−HK$4,343/mo
Today · 4.125%
HK$146,059
baseline
▲ 0.50% · 4.625%
HK$154,947
+HK$8,888/mo
Deposit HK$3.35M · loan HK$30.14M · min. income ≈ HK$292,118/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$1,423,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,901
−HK$8,261/mo
▼ 0.25% · 3.875%
HK$157,002
−HK$4,160/mo
Today · 4.125%
HK$161,162
baseline
▲ 0.50% · 4.625%
HK$169,657
+HK$8,495/mo
Deposit HK$3.35M · loan HK$30.14M · min. income ≈ HK$322,324/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$1,423,142 · Scale 2, in force from 26 Feb 2026)