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$76,422
−HK$4,793/mo
▼ 0.25% · 3.875%
HK$78,799
−HK$2,416/mo
Today · 4.125%
HK$81,215
baseline
▲ 0.50% · 4.625%
HK$86,156
+HK$4,941/mo
Deposit HK$16.76M · loan HK$16.76M · min. income ≈ HK$162,430/mo (50% DSR)
Upfront cash ≈ HK$18.18M (deposit + AVD stamp duty HK$1,424,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,019
−HK$4,593/mo
▼ 0.25% · 3.875%
HK$87,299
−HK$2,313/mo
Today · 4.125%
HK$89,612
baseline
▲ 0.50% · 4.625%
HK$94,336
+HK$4,724/mo
Deposit HK$16.76M · loan HK$16.76M · min. income ≈ HK$179,224/mo (50% DSR)
Upfront cash ≈ HK$18.18M (deposit + AVD stamp duty HK$1,424,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,707
−HK$5,751/mo
▼ 0.25% · 3.875%
HK$94,559
−HK$2,899/mo
Today · 4.125%
HK$97,458
baseline
▲ 0.50% · 4.625%
HK$103,388
+HK$5,930/mo
Deposit HK$13.41M · loan HK$20.11M · min. income ≈ HK$194,916/mo (50% DSR)
Upfront cash ≈ HK$14.83M (deposit + AVD stamp duty HK$1,424,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,023
−HK$5,512/mo
▼ 0.25% · 3.875%
HK$104,759
−HK$2,776/mo
Today · 4.125%
HK$107,535
baseline
▲ 0.50% · 4.625%
HK$113,203
+HK$5,668/mo
Deposit HK$13.41M · loan HK$20.11M · min. income ≈ HK$215,070/mo (50% DSR)
Upfront cash ≈ HK$14.83M (deposit + AVD stamp duty HK$1,424,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,991
−HK$6,710/mo
▼ 0.25% · 3.875%
HK$110,319
−HK$3,382/mo
Today · 4.125%
HK$113,701
baseline
▲ 0.50% · 4.625%
HK$120,619
+HK$6,918/mo
Deposit HK$10.05M · loan HK$23.46M · min. income ≈ HK$227,402/mo (50% DSR)
Upfront cash ≈ HK$11.48M (deposit + AVD stamp duty HK$1,424,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,027
−HK$6,430/mo
▼ 0.25% · 3.875%
HK$122,219
−HK$3,238/mo
Today · 4.125%
HK$125,457
baseline
▲ 0.50% · 4.625%
HK$132,070
+HK$6,613/mo
Deposit HK$10.05M · loan HK$23.46M · min. income ≈ HK$250,914/mo (50% DSR)
Upfront cash ≈ HK$11.48M (deposit + AVD stamp duty HK$1,424,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,560
−HK$8,626/mo
▼ 0.25% · 3.875%
HK$141,839
−HK$4,347/mo
Today · 4.125%
HK$146,186
baseline
▲ 0.50% · 4.625%
HK$155,082
+HK$8,896/mo
Deposit HK$3.35M · loan HK$30.16M · min. income ≈ HK$292,372/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$1,424,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,034
−HK$8,268/mo
▼ 0.25% · 3.875%
HK$157,139
−HK$4,163/mo
Today · 4.125%
HK$161,302
baseline
▲ 0.50% · 4.625%
HK$169,805
+HK$8,503/mo
Deposit HK$3.35M · loan HK$30.16M · min. income ≈ HK$322,604/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$1,424,379 · Scale 2, in force from 26 Feb 2026)