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$76,307
−HK$4,785/mo
▼ 0.25% · 3.875%
HK$78,680
−HK$2,412/mo
Today · 4.125%
HK$81,092
baseline
▲ 0.50% · 4.625%
HK$86,026
+HK$4,934/mo
Deposit HK$16.73M · loan HK$16.73M · min. income ≈ HK$162,184/mo (50% DSR)
Upfront cash ≈ HK$18.15M (deposit + AVD stamp duty HK$1,422,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,891
−HK$4,586/mo
▼ 0.25% · 3.875%
HK$87,167
−HK$2,310/mo
Today · 4.125%
HK$89,477
baseline
▲ 0.50% · 4.625%
HK$94,193
+HK$4,716/mo
Deposit HK$16.73M · loan HK$16.73M · min. income ≈ HK$178,954/mo (50% DSR)
Upfront cash ≈ HK$18.15M (deposit + AVD stamp duty HK$1,422,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,568
−HK$5,742/mo
▼ 0.25% · 3.875%
HK$94,417
−HK$2,893/mo
Today · 4.125%
HK$97,310
baseline
▲ 0.50% · 4.625%
HK$103,231
+HK$5,921/mo
Deposit HK$13.39M · loan HK$20.08M · min. income ≈ HK$194,620/mo (50% DSR)
Upfront cash ≈ HK$14.81M (deposit + AVD stamp duty HK$1,422,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,869
−HK$5,503/mo
▼ 0.25% · 3.875%
HK$104,601
−HK$2,771/mo
Today · 4.125%
HK$107,372
baseline
▲ 0.50% · 4.625%
HK$113,032
+HK$5,660/mo
Deposit HK$13.39M · loan HK$20.08M · min. income ≈ HK$214,744/mo (50% DSR)
Upfront cash ≈ HK$14.81M (deposit + AVD stamp duty HK$1,422,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,830
−HK$6,699/mo
▼ 0.25% · 3.875%
HK$110,153
−HK$3,376/mo
Today · 4.125%
HK$113,529
baseline
▲ 0.50% · 4.625%
HK$120,437
+HK$6,908/mo
Deposit HK$10.04M · loan HK$23.42M · min. income ≈ HK$227,058/mo (50% DSR)
Upfront cash ≈ HK$11.46M (deposit + AVD stamp duty HK$1,422,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,847
−HK$6,421/mo
▼ 0.25% · 3.875%
HK$122,034
−HK$3,234/mo
Today · 4.125%
HK$125,268
baseline
▲ 0.50% · 4.625%
HK$131,871
+HK$6,603/mo
Deposit HK$10.04M · loan HK$23.42M · min. income ≈ HK$250,536/mo (50% DSR)
Upfront cash ≈ HK$11.46M (deposit + AVD stamp duty HK$1,422,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,352
−HK$8,614/mo
▼ 0.25% · 3.875%
HK$141,625
−HK$4,341/mo
Today · 4.125%
HK$145,966
baseline
▲ 0.50% · 4.625%
HK$154,847
+HK$8,881/mo
Deposit HK$3.35M · loan HK$30.12M · min. income ≈ HK$291,932/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$1,422,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,803
−HK$8,256/mo
▼ 0.25% · 3.875%
HK$156,901
−HK$4,158/mo
Today · 4.125%
HK$161,059
baseline
▲ 0.50% · 4.625%
HK$169,548
+HK$8,489/mo
Deposit HK$3.35M · loan HK$30.12M · min. income ≈ HK$322,118/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$1,422,227 · Scale 2, in force from 26 Feb 2026)