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$76,360
−HK$4,788/mo
▼ 0.25% · 3.875%
HK$78,735
−HK$2,413/mo
Today · 4.125%
HK$81,148
baseline
▲ 0.50% · 4.625%
HK$86,086
+HK$4,938/mo
Deposit HK$16.74M · loan HK$16.74M · min. income ≈ HK$162,296/mo (50% DSR)
Upfront cash ≈ HK$18.17M (deposit + AVD stamp duty HK$1,423,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,950
−HK$4,589/mo
▼ 0.25% · 3.875%
HK$87,228
−HK$2,311/mo
Today · 4.125%
HK$89,539
baseline
▲ 0.50% · 4.625%
HK$94,259
+HK$4,720/mo
Deposit HK$16.74M · loan HK$16.74M · min. income ≈ HK$179,078/mo (50% DSR)
Upfront cash ≈ HK$18.17M (deposit + AVD stamp duty HK$1,423,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,632
−HK$5,746/mo
▼ 0.25% · 3.875%
HK$94,482
−HK$2,896/mo
Today · 4.125%
HK$97,378
baseline
▲ 0.50% · 4.625%
HK$103,303
+HK$5,925/mo
Deposit HK$13.39M · loan HK$20.09M · min. income ≈ HK$194,756/mo (50% DSR)
Upfront cash ≈ HK$14.82M (deposit + AVD stamp duty HK$1,423,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,940
−HK$5,507/mo
▼ 0.25% · 3.875%
HK$104,674
−HK$2,773/mo
Today · 4.125%
HK$107,447
baseline
▲ 0.50% · 4.625%
HK$113,111
+HK$5,664/mo
Deposit HK$13.39M · loan HK$20.09M · min. income ≈ HK$214,894/mo (50% DSR)
Upfront cash ≈ HK$14.82M (deposit + AVD stamp duty HK$1,423,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,904
−HK$6,704/mo
▼ 0.25% · 3.875%
HK$110,229
−HK$3,379/mo
Today · 4.125%
HK$113,608
baseline
▲ 0.50% · 4.625%
HK$120,520
+HK$6,912/mo
Deposit HK$10.05M · loan HK$23.44M · min. income ≈ HK$227,216/mo (50% DSR)
Upfront cash ≈ HK$11.47M (deposit + AVD stamp duty HK$1,423,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,930
−HK$6,425/mo
▼ 0.25% · 3.875%
HK$122,119
−HK$3,236/mo
Today · 4.125%
HK$125,355
baseline
▲ 0.50% · 4.625%
HK$131,963
+HK$6,608/mo
Deposit HK$10.05M · loan HK$23.44M · min. income ≈ HK$250,710/mo (50% DSR)
Upfront cash ≈ HK$11.47M (deposit + AVD stamp duty HK$1,423,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,448
−HK$8,619/mo
▼ 0.25% · 3.875%
HK$141,723
−HK$4,344/mo
Today · 4.125%
HK$146,067
baseline
▲ 0.50% · 4.625%
HK$154,955
+HK$8,888/mo
Deposit HK$3.35M · loan HK$30.14M · min. income ≈ HK$292,134/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$1,423,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,909
−HK$8,262/mo
▼ 0.25% · 3.875%
HK$157,010
−HK$4,161/mo
Today · 4.125%
HK$161,171
baseline
▲ 0.50% · 4.625%
HK$169,666
+HK$8,495/mo
Deposit HK$3.35M · loan HK$30.14M · min. income ≈ HK$322,342/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$1,423,216 · Scale 2, in force from 26 Feb 2026)