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$76,322
−HK$4,786/mo
▼ 0.25% · 3.875%
HK$78,696
−HK$2,412/mo
Today · 4.125%
HK$81,108
baseline
▲ 0.50% · 4.625%
HK$86,043
+HK$4,935/mo
Deposit HK$16.74M · loan HK$16.74M · min. income ≈ HK$162,216/mo (50% DSR)
Upfront cash ≈ HK$18.16M (deposit + AVD stamp duty HK$1,422,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,907
−HK$4,587/mo
▼ 0.25% · 3.875%
HK$87,184
−HK$2,310/mo
Today · 4.125%
HK$89,494
baseline
▲ 0.50% · 4.625%
HK$94,212
+HK$4,718/mo
Deposit HK$16.74M · loan HK$16.74M · min. income ≈ HK$178,988/mo (50% DSR)
Upfront cash ≈ HK$18.16M (deposit + AVD stamp duty HK$1,422,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,586
−HK$5,743/mo
▼ 0.25% · 3.875%
HK$94,435
−HK$2,894/mo
Today · 4.125%
HK$97,329
baseline
▲ 0.50% · 4.625%
HK$103,251
+HK$5,922/mo
Deposit HK$13.39M · loan HK$20.08M · min. income ≈ HK$194,658/mo (50% DSR)
Upfront cash ≈ HK$14.81M (deposit + AVD stamp duty HK$1,422,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,888
−HK$5,505/mo
▼ 0.25% · 3.875%
HK$104,621
−HK$2,772/mo
Today · 4.125%
HK$107,393
baseline
▲ 0.50% · 4.625%
HK$113,054
+HK$5,661/mo
Deposit HK$13.39M · loan HK$20.08M · min. income ≈ HK$214,786/mo (50% DSR)
Upfront cash ≈ HK$14.81M (deposit + AVD stamp duty HK$1,422,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,850
−HK$6,701/mo
▼ 0.25% · 3.875%
HK$110,174
−HK$3,377/mo
Today · 4.125%
HK$113,551
baseline
▲ 0.50% · 4.625%
HK$120,460
+HK$6,909/mo
Deposit HK$10.04M · loan HK$23.43M · min. income ≈ HK$227,102/mo (50% DSR)
Upfront cash ≈ HK$11.46M (deposit + AVD stamp duty HK$1,422,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,870
−HK$6,422/mo
▼ 0.25% · 3.875%
HK$122,058
−HK$3,234/mo
Today · 4.125%
HK$125,292
baseline
▲ 0.50% · 4.625%
HK$131,896
+HK$6,604/mo
Deposit HK$10.04M · loan HK$23.43M · min. income ≈ HK$250,584/mo (50% DSR)
Upfront cash ≈ HK$11.46M (deposit + AVD stamp duty HK$1,422,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,379
−HK$8,615/mo
▼ 0.25% · 3.875%
HK$141,652
−HK$4,342/mo
Today · 4.125%
HK$145,994
baseline
▲ 0.50% · 4.625%
HK$154,877
+HK$8,883/mo
Deposit HK$3.35M · loan HK$30.12M · min. income ≈ HK$291,988/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$1,422,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,833
−HK$8,257/mo
▼ 0.25% · 3.875%
HK$156,932
−HK$4,158/mo
Today · 4.125%
HK$161,090
baseline
▲ 0.50% · 4.625%
HK$169,581
+HK$8,491/mo
Deposit HK$3.35M · loan HK$30.12M · min. income ≈ HK$322,180/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$1,422,503 · Scale 2, in force from 26 Feb 2026)