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$76,274
−HK$4,783/mo
▼ 0.25% · 3.875%
HK$78,646
−HK$2,411/mo
Today · 4.125%
HK$81,057
baseline
▲ 0.50% · 4.625%
HK$85,989
+HK$4,932/mo
Deposit HK$16.72M · loan HK$16.72M · min. income ≈ HK$162,114/mo (50% DSR)
Upfront cash ≈ HK$18.15M (deposit + AVD stamp duty HK$1,421,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,854
−HK$4,584/mo
▼ 0.25% · 3.875%
HK$87,129
−HK$2,309/mo
Today · 4.125%
HK$89,438
baseline
▲ 0.50% · 4.625%
HK$94,152
+HK$4,714/mo
Deposit HK$16.72M · loan HK$16.72M · min. income ≈ HK$178,876/mo (50% DSR)
Upfront cash ≈ HK$18.15M (deposit + AVD stamp duty HK$1,421,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,528
−HK$5,740/mo
▼ 0.25% · 3.875%
HK$94,375
−HK$2,893/mo
Today · 4.125%
HK$97,268
baseline
▲ 0.50% · 4.625%
HK$103,187
+HK$5,919/mo
Deposit HK$13.38M · loan HK$20.07M · min. income ≈ HK$194,536/mo (50% DSR)
Upfront cash ≈ HK$14.80M (deposit + AVD stamp duty HK$1,421,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,824
−HK$5,502/mo
▼ 0.25% · 3.875%
HK$104,555
−HK$2,771/mo
Today · 4.125%
HK$107,326
baseline
▲ 0.50% · 4.625%
HK$112,983
+HK$5,657/mo
Deposit HK$13.38M · loan HK$20.07M · min. income ≈ HK$214,652/mo (50% DSR)
Upfront cash ≈ HK$14.80M (deposit + AVD stamp duty HK$1,421,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,783
−HK$6,696/mo
▼ 0.25% · 3.875%
HK$110,105
−HK$3,374/mo
Today · 4.125%
HK$113,479
baseline
▲ 0.50% · 4.625%
HK$120,384
+HK$6,905/mo
Deposit HK$10.03M · loan HK$23.41M · min. income ≈ HK$226,958/mo (50% DSR)
Upfront cash ≈ HK$11.46M (deposit + AVD stamp duty HK$1,421,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,795
−HK$6,418/mo
▼ 0.25% · 3.875%
HK$121,981
−HK$3,232/mo
Today · 4.125%
HK$125,213
baseline
▲ 0.50% · 4.625%
HK$131,813
+HK$6,600/mo
Deposit HK$10.03M · loan HK$23.41M · min. income ≈ HK$250,426/mo (50% DSR)
Upfront cash ≈ HK$11.46M (deposit + AVD stamp duty HK$1,421,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,293
−HK$8,609/mo
▼ 0.25% · 3.875%
HK$141,563
−HK$4,339/mo
Today · 4.125%
HK$145,902
baseline
▲ 0.50% · 4.625%
HK$154,780
+HK$8,878/mo
Deposit HK$3.34M · loan HK$30.10M · min. income ≈ HK$291,804/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$1,421,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,737
−HK$8,251/mo
▼ 0.25% · 3.875%
HK$156,833
−HK$4,155/mo
Today · 4.125%
HK$160,988
baseline
▲ 0.50% · 4.625%
HK$169,474
+HK$8,486/mo
Deposit HK$3.34M · loan HK$30.10M · min. income ≈ HK$321,976/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$1,421,608 · Scale 2, in force from 26 Feb 2026)