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$76,203
−HK$4,779/mo
▼ 0.25% · 3.875%
HK$78,574
−HK$2,408/mo
Today · 4.125%
HK$80,982
baseline
▲ 0.50% · 4.625%
HK$85,910
+HK$4,928/mo
Deposit HK$16.71M · loan HK$16.71M · min. income ≈ HK$161,964/mo (50% DSR)
Upfront cash ≈ HK$18.13M (deposit + AVD stamp duty HK$1,420,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,776
−HK$4,580/mo
▼ 0.25% · 3.875%
HK$87,049
−HK$2,307/mo
Today · 4.125%
HK$89,356
baseline
▲ 0.50% · 4.625%
HK$94,066
+HK$4,710/mo
Deposit HK$16.71M · loan HK$16.71M · min. income ≈ HK$178,712/mo (50% DSR)
Upfront cash ≈ HK$18.13M (deposit + AVD stamp duty HK$1,420,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,444
−HK$5,734/mo
▼ 0.25% · 3.875%
HK$94,289
−HK$2,889/mo
Today · 4.125%
HK$97,178
baseline
▲ 0.50% · 4.625%
HK$103,092
+HK$5,914/mo
Deposit HK$13.37M · loan HK$20.05M · min. income ≈ HK$194,356/mo (50% DSR)
Upfront cash ≈ HK$14.79M (deposit + AVD stamp duty HK$1,420,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,731
−HK$5,496/mo
▼ 0.25% · 3.875%
HK$104,459
−HK$2,768/mo
Today · 4.125%
HK$107,227
baseline
▲ 0.50% · 4.625%
HK$112,879
+HK$5,652/mo
Deposit HK$13.37M · loan HK$20.05M · min. income ≈ HK$214,454/mo (50% DSR)
Upfront cash ≈ HK$14.79M (deposit + AVD stamp duty HK$1,420,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,685
−HK$6,690/mo
▼ 0.25% · 3.875%
HK$110,003
−HK$3,372/mo
Today · 4.125%
HK$113,375
baseline
▲ 0.50% · 4.625%
HK$120,273
+HK$6,898/mo
Deposit HK$10.03M · loan HK$23.39M · min. income ≈ HK$226,750/mo (50% DSR)
Upfront cash ≈ HK$11.45M (deposit + AVD stamp duty HK$1,420,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,686
−HK$6,412/mo
▼ 0.25% · 3.875%
HK$121,869
−HK$3,229/mo
Today · 4.125%
HK$125,098
baseline
▲ 0.50% · 4.625%
HK$131,692
+HK$6,594/mo
Deposit HK$10.03M · loan HK$23.39M · min. income ≈ HK$250,196/mo (50% DSR)
Upfront cash ≈ HK$11.45M (deposit + AVD stamp duty HK$1,420,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,166
−HK$8,602/mo
▼ 0.25% · 3.875%
HK$141,433
−HK$4,335/mo
Today · 4.125%
HK$145,768
baseline
▲ 0.50% · 4.625%
HK$154,637
+HK$8,869/mo
Deposit HK$3.34M · loan HK$30.08M · min. income ≈ HK$291,536/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$1,420,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,596
−HK$8,244/mo
▼ 0.25% · 3.875%
HK$156,688
−HK$4,152/mo
Today · 4.125%
HK$160,840
baseline
▲ 0.50% · 4.625%
HK$169,318
+HK$8,478/mo
Deposit HK$3.34M · loan HK$30.08M · min. income ≈ HK$321,680/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$1,420,299 · Scale 2, in force from 26 Feb 2026)