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$76,355
−HK$4,788/mo
▼ 0.25% · 3.875%
HK$78,730
−HK$2,413/mo
Today · 4.125%
HK$81,143
baseline
▲ 0.50% · 4.625%
HK$86,080
+HK$4,937/mo
Deposit HK$16.74M · loan HK$16.74M · min. income ≈ HK$162,286/mo (50% DSR)
Upfront cash ≈ HK$18.17M (deposit + AVD stamp duty HK$1,423,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,944
−HK$4,589/mo
▼ 0.25% · 3.875%
HK$87,222
−HK$2,311/mo
Today · 4.125%
HK$89,533
baseline
▲ 0.50% · 4.625%
HK$94,253
+HK$4,720/mo
Deposit HK$16.74M · loan HK$16.74M · min. income ≈ HK$179,066/mo (50% DSR)
Upfront cash ≈ HK$18.17M (deposit + AVD stamp duty HK$1,423,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,626
−HK$5,746/mo
▼ 0.25% · 3.875%
HK$94,476
−HK$2,896/mo
Today · 4.125%
HK$97,372
baseline
▲ 0.50% · 4.625%
HK$103,296
+HK$5,924/mo
Deposit HK$13.39M · loan HK$20.09M · min. income ≈ HK$194,744/mo (50% DSR)
Upfront cash ≈ HK$14.82M (deposit + AVD stamp duty HK$1,423,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,933
−HK$5,507/mo
▼ 0.25% · 3.875%
HK$104,667
−HK$2,773/mo
Today · 4.125%
HK$107,440
baseline
▲ 0.50% · 4.625%
HK$113,103
+HK$5,663/mo
Deposit HK$13.39M · loan HK$20.09M · min. income ≈ HK$214,880/mo (50% DSR)
Upfront cash ≈ HK$14.82M (deposit + AVD stamp duty HK$1,423,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,897
−HK$6,703/mo
▼ 0.25% · 3.875%
HK$110,222
−HK$3,378/mo
Today · 4.125%
HK$113,600
baseline
▲ 0.50% · 4.625%
HK$120,512
+HK$6,912/mo
Deposit HK$10.05M · loan HK$23.44M · min. income ≈ HK$227,200/mo (50% DSR)
Upfront cash ≈ HK$11.47M (deposit + AVD stamp duty HK$1,423,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,922
−HK$6,425/mo
▼ 0.25% · 3.875%
HK$122,111
−HK$3,236/mo
Today · 4.125%
HK$125,347
baseline
▲ 0.50% · 4.625%
HK$131,954
+HK$6,607/mo
Deposit HK$10.05M · loan HK$23.44M · min. income ≈ HK$250,694/mo (50% DSR)
Upfront cash ≈ HK$11.47M (deposit + AVD stamp duty HK$1,423,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,439
−HK$8,618/mo
▼ 0.25% · 3.875%
HK$141,714
−HK$4,343/mo
Today · 4.125%
HK$146,057
baseline
▲ 0.50% · 4.625%
HK$154,945
+HK$8,888/mo
Deposit HK$3.35M · loan HK$30.14M · min. income ≈ HK$292,114/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$1,423,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,899
−HK$8,261/mo
▼ 0.25% · 3.875%
HK$157,000
−HK$4,160/mo
Today · 4.125%
HK$161,160
baseline
▲ 0.50% · 4.625%
HK$169,655
+HK$8,495/mo
Deposit HK$3.35M · loan HK$30.14M · min. income ≈ HK$322,320/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$1,423,122 · Scale 2, in force from 26 Feb 2026)