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$76,286
−HK$4,784/mo
▼ 0.25% · 3.875%
HK$78,659
−HK$2,411/mo
Today · 4.125%
HK$81,070
baseline
▲ 0.50% · 4.625%
HK$86,003
+HK$4,933/mo
Deposit HK$16.73M · loan HK$16.73M · min. income ≈ HK$162,140/mo (50% DSR)
Upfront cash ≈ HK$18.15M (deposit + AVD stamp duty HK$1,421,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,868
−HK$4,585/mo
▼ 0.25% · 3.875%
HK$87,144
−HK$2,309/mo
Today · 4.125%
HK$89,453
baseline
▲ 0.50% · 4.625%
HK$94,168
+HK$4,715/mo
Deposit HK$16.73M · loan HK$16.73M · min. income ≈ HK$178,906/mo (50% DSR)
Upfront cash ≈ HK$18.15M (deposit + AVD stamp duty HK$1,421,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,543
−HK$5,741/mo
▼ 0.25% · 3.875%
HK$94,391
−HK$2,893/mo
Today · 4.125%
HK$97,284
baseline
▲ 0.50% · 4.625%
HK$103,204
+HK$5,920/mo
Deposit HK$13.38M · loan HK$20.07M · min. income ≈ HK$194,568/mo (50% DSR)
Upfront cash ≈ HK$14.80M (deposit + AVD stamp duty HK$1,421,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,841
−HK$5,502/mo
▼ 0.25% · 3.875%
HK$104,573
−HK$2,770/mo
Today · 4.125%
HK$107,343
baseline
▲ 0.50% · 4.625%
HK$113,002
+HK$5,659/mo
Deposit HK$13.38M · loan HK$20.07M · min. income ≈ HK$214,686/mo (50% DSR)
Upfront cash ≈ HK$14.80M (deposit + AVD stamp duty HK$1,421,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,801
−HK$6,697/mo
▼ 0.25% · 3.875%
HK$110,123
−HK$3,375/mo
Today · 4.125%
HK$113,498
baseline
▲ 0.50% · 4.625%
HK$120,404
+HK$6,906/mo
Deposit HK$10.04M · loan HK$23.42M · min. income ≈ HK$226,996/mo (50% DSR)
Upfront cash ≈ HK$11.46M (deposit + AVD stamp duty HK$1,421,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,815
−HK$6,419/mo
▼ 0.25% · 3.875%
HK$122,001
−HK$3,233/mo
Today · 4.125%
HK$125,234
baseline
▲ 0.50% · 4.625%
HK$131,835
+HK$6,601/mo
Deposit HK$10.04M · loan HK$23.42M · min. income ≈ HK$250,468/mo (50% DSR)
Upfront cash ≈ HK$11.46M (deposit + AVD stamp duty HK$1,421,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,315
−HK$8,611/mo
▼ 0.25% · 3.875%
HK$141,587
−HK$4,339/mo
Today · 4.125%
HK$145,926
baseline
▲ 0.50% · 4.625%
HK$154,805
+HK$8,879/mo
Deposit HK$3.35M · loan HK$30.11M · min. income ≈ HK$291,852/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$1,421,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,762
−HK$8,253/mo
▼ 0.25% · 3.875%
HK$156,859
−HK$4,156/mo
Today · 4.125%
HK$161,015
baseline
▲ 0.50% · 4.625%
HK$169,502
+HK$8,487/mo
Deposit HK$3.35M · loan HK$30.11M · min. income ≈ HK$322,030/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$1,421,843 · Scale 2, in force from 26 Feb 2026)