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$76,414
−HK$4,791/mo
▼ 0.25% · 3.875%
HK$78,790
−HK$2,415/mo
Today · 4.125%
HK$81,205
baseline
▲ 0.50% · 4.625%
HK$86,146
+HK$4,941/mo
Deposit HK$16.76M · loan HK$16.76M · min. income ≈ HK$162,410/mo (50% DSR)
Upfront cash ≈ HK$18.18M (deposit + AVD stamp duty HK$1,424,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,009
−HK$4,593/mo
▼ 0.25% · 3.875%
HK$87,289
−HK$2,313/mo
Today · 4.125%
HK$89,602
baseline
▲ 0.50% · 4.625%
HK$94,325
+HK$4,723/mo
Deposit HK$16.76M · loan HK$16.76M · min. income ≈ HK$179,204/mo (50% DSR)
Upfront cash ≈ HK$18.18M (deposit + AVD stamp duty HK$1,424,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,696
−HK$5,750/mo
▼ 0.25% · 3.875%
HK$94,549
−HK$2,897/mo
Today · 4.125%
HK$97,446
baseline
▲ 0.50% · 4.625%
HK$103,376
+HK$5,930/mo
Deposit HK$13.40M · loan HK$20.11M · min. income ≈ HK$194,892/mo (50% DSR)
Upfront cash ≈ HK$14.83M (deposit + AVD stamp duty HK$1,424,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,011
−HK$5,511/mo
▼ 0.25% · 3.875%
HK$104,747
−HK$2,775/mo
Today · 4.125%
HK$107,522
baseline
▲ 0.50% · 4.625%
HK$113,190
+HK$5,668/mo
Deposit HK$13.40M · loan HK$20.11M · min. income ≈ HK$215,044/mo (50% DSR)
Upfront cash ≈ HK$14.83M (deposit + AVD stamp duty HK$1,424,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,979
−HK$6,708/mo
▼ 0.25% · 3.875%
HK$110,307
−HK$3,380/mo
Today · 4.125%
HK$113,687
baseline
▲ 0.50% · 4.625%
HK$120,605
+HK$6,918/mo
Deposit HK$10.05M · loan HK$23.46M · min. income ≈ HK$227,374/mo (50% DSR)
Upfront cash ≈ HK$11.48M (deposit + AVD stamp duty HK$1,424,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,013
−HK$6,430/mo
▼ 0.25% · 3.875%
HK$122,205
−HK$3,238/mo
Today · 4.125%
HK$125,443
baseline
▲ 0.50% · 4.625%
HK$132,055
+HK$6,612/mo
Deposit HK$10.05M · loan HK$23.46M · min. income ≈ HK$250,886/mo (50% DSR)
Upfront cash ≈ HK$11.48M (deposit + AVD stamp duty HK$1,424,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,544
−HK$8,626/mo
▼ 0.25% · 3.875%
HK$141,823
−HK$4,347/mo
Today · 4.125%
HK$146,170
baseline
▲ 0.50% · 4.625%
HK$155,064
+HK$8,894/mo
Deposit HK$3.35M · loan HK$30.16M · min. income ≈ HK$292,340/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$1,424,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,017
−HK$8,267/mo
▼ 0.25% · 3.875%
HK$157,121
−HK$4,163/mo
Today · 4.125%
HK$161,284
baseline
▲ 0.50% · 4.625%
HK$169,785
+HK$8,501/mo
Deposit HK$3.35M · loan HK$30.16M · min. income ≈ HK$322,568/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$1,424,215 · Scale 2, in force from 26 Feb 2026)