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$76,243
−HK$4,781/mo
▼ 0.25% · 3.875%
HK$78,614
−HK$2,410/mo
Today · 4.125%
HK$81,024
baseline
▲ 0.50% · 4.625%
HK$85,954
+HK$4,930/mo
Deposit HK$16.72M · loan HK$16.72M · min. income ≈ HK$162,048/mo (50% DSR)
Upfront cash ≈ HK$18.14M (deposit + AVD stamp duty HK$1,421,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,819
−HK$4,583/mo
▼ 0.25% · 3.875%
HK$87,094
−HK$2,308/mo
Today · 4.125%
HK$89,402
baseline
▲ 0.50% · 4.625%
HK$94,114
+HK$4,712/mo
Deposit HK$16.72M · loan HK$16.72M · min. income ≈ HK$178,804/mo (50% DSR)
Upfront cash ≈ HK$18.14M (deposit + AVD stamp duty HK$1,421,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,491
−HK$5,737/mo
▼ 0.25% · 3.875%
HK$94,337
−HK$2,891/mo
Today · 4.125%
HK$97,228
baseline
▲ 0.50% · 4.625%
HK$103,145
+HK$5,917/mo
Deposit HK$13.37M · loan HK$20.06M · min. income ≈ HK$194,456/mo (50% DSR)
Upfront cash ≈ HK$14.80M (deposit + AVD stamp duty HK$1,421,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,783
−HK$5,499/mo
▼ 0.25% · 3.875%
HK$104,513
−HK$2,769/mo
Today · 4.125%
HK$107,282
baseline
▲ 0.50% · 4.625%
HK$112,937
+HK$5,655/mo
Deposit HK$13.37M · loan HK$20.06M · min. income ≈ HK$214,564/mo (50% DSR)
Upfront cash ≈ HK$14.80M (deposit + AVD stamp duty HK$1,421,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,740
−HK$6,693/mo
▼ 0.25% · 3.875%
HK$110,060
−HK$3,373/mo
Today · 4.125%
HK$113,433
baseline
▲ 0.50% · 4.625%
HK$120,335
+HK$6,902/mo
Deposit HK$10.03M · loan HK$23.41M · min. income ≈ HK$226,866/mo (50% DSR)
Upfront cash ≈ HK$11.45M (deposit + AVD stamp duty HK$1,421,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,747
−HK$6,415/mo
▼ 0.25% · 3.875%
HK$121,932
−HK$3,230/mo
Today · 4.125%
HK$125,162
baseline
▲ 0.50% · 4.625%
HK$131,760
+HK$6,598/mo
Deposit HK$10.03M · loan HK$23.41M · min. income ≈ HK$250,324/mo (50% DSR)
Upfront cash ≈ HK$11.45M (deposit + AVD stamp duty HK$1,421,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,237
−HK$8,606/mo
▼ 0.25% · 3.875%
HK$141,506
−HK$4,337/mo
Today · 4.125%
HK$145,843
baseline
▲ 0.50% · 4.625%
HK$154,717
+HK$8,874/mo
Deposit HK$3.34M · loan HK$30.09M · min. income ≈ HK$291,686/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$1,421,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,674
−HK$8,249/mo
▼ 0.25% · 3.875%
HK$156,769
−HK$4,154/mo
Today · 4.125%
HK$160,923
baseline
▲ 0.50% · 4.625%
HK$169,405
+HK$8,482/mo
Deposit HK$3.34M · loan HK$30.09M · min. income ≈ HK$321,846/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$1,421,030 · Scale 2, in force from 26 Feb 2026)