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$76,332
−HK$4,786/mo
▼ 0.25% · 3.875%
HK$78,706
−HK$2,412/mo
Today · 4.125%
HK$81,118
baseline
▲ 0.50% · 4.625%
HK$86,054
+HK$4,936/mo
Deposit HK$16.74M · loan HK$16.74M · min. income ≈ HK$162,236/mo (50% DSR)
Upfront cash ≈ HK$18.16M (deposit + AVD stamp duty HK$1,422,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,918
−HK$4,588/mo
▼ 0.25% · 3.875%
HK$87,196
−HK$2,310/mo
Today · 4.125%
HK$89,506
baseline
▲ 0.50% · 4.625%
HK$94,224
+HK$4,718/mo
Deposit HK$16.74M · loan HK$16.74M · min. income ≈ HK$179,012/mo (50% DSR)
Upfront cash ≈ HK$18.16M (deposit + AVD stamp duty HK$1,422,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,598
−HK$5,744/mo
▼ 0.25% · 3.875%
HK$94,447
−HK$2,895/mo
Today · 4.125%
HK$97,342
baseline
▲ 0.50% · 4.625%
HK$103,265
+HK$5,923/mo
Deposit HK$13.39M · loan HK$20.08M · min. income ≈ HK$194,684/mo (50% DSR)
Upfront cash ≈ HK$14.81M (deposit + AVD stamp duty HK$1,422,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,902
−HK$5,505/mo
▼ 0.25% · 3.875%
HK$104,635
−HK$2,772/mo
Today · 4.125%
HK$107,407
baseline
▲ 0.50% · 4.625%
HK$113,069
+HK$5,662/mo
Deposit HK$13.39M · loan HK$20.08M · min. income ≈ HK$214,814/mo (50% DSR)
Upfront cash ≈ HK$14.81M (deposit + AVD stamp duty HK$1,422,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,864
−HK$6,702/mo
▼ 0.25% · 3.875%
HK$110,188
−HK$3,378/mo
Today · 4.125%
HK$113,566
baseline
▲ 0.50% · 4.625%
HK$120,476
+HK$6,910/mo
Deposit HK$10.04M · loan HK$23.43M · min. income ≈ HK$227,132/mo (50% DSR)
Upfront cash ≈ HK$11.47M (deposit + AVD stamp duty HK$1,422,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,885
−HK$6,423/mo
▼ 0.25% · 3.875%
HK$122,074
−HK$3,234/mo
Today · 4.125%
HK$125,308
baseline
▲ 0.50% · 4.625%
HK$131,914
+HK$6,606/mo
Deposit HK$10.04M · loan HK$23.43M · min. income ≈ HK$250,616/mo (50% DSR)
Upfront cash ≈ HK$11.47M (deposit + AVD stamp duty HK$1,422,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,397
−HK$8,616/mo
▼ 0.25% · 3.875%
HK$141,671
−HK$4,342/mo
Today · 4.125%
HK$146,013
baseline
▲ 0.50% · 4.625%
HK$154,897
+HK$8,884/mo
Deposit HK$3.35M · loan HK$30.13M · min. income ≈ HK$292,026/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$1,422,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,853
−HK$8,258/mo
▼ 0.25% · 3.875%
HK$156,952
−HK$4,159/mo
Today · 4.125%
HK$161,111
baseline
▲ 0.50% · 4.625%
HK$169,603
+HK$8,492/mo
Deposit HK$3.35M · loan HK$30.13M · min. income ≈ HK$322,222/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$1,422,688 · Scale 2, in force from 26 Feb 2026)