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$76,440
−HK$4,793/mo
▼ 0.25% · 3.875%
HK$78,818
−HK$2,415/mo
Today · 4.125%
HK$81,233
baseline
▲ 0.50% · 4.625%
HK$86,176
+HK$4,943/mo
Deposit HK$16.76M · loan HK$16.76M · min. income ≈ HK$162,466/mo (50% DSR)
Upfront cash ≈ HK$18.19M (deposit + AVD stamp duty HK$1,424,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,039
−HK$4,594/mo
▼ 0.25% · 3.875%
HK$87,319
−HK$2,314/mo
Today · 4.125%
HK$89,633
baseline
▲ 0.50% · 4.625%
HK$94,358
+HK$4,725/mo
Deposit HK$16.76M · loan HK$16.76M · min. income ≈ HK$179,266/mo (50% DSR)
Upfront cash ≈ HK$18.19M (deposit + AVD stamp duty HK$1,424,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,728
−HK$5,752/mo
▼ 0.25% · 3.875%
HK$94,581
−HK$2,899/mo
Today · 4.125%
HK$97,480
baseline
▲ 0.50% · 4.625%
HK$103,411
+HK$5,931/mo
Deposit HK$13.41M · loan HK$20.11M · min. income ≈ HK$194,960/mo (50% DSR)
Upfront cash ≈ HK$14.83M (deposit + AVD stamp duty HK$1,424,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,046
−HK$5,514/mo
▼ 0.25% · 3.875%
HK$104,783
−HK$2,777/mo
Today · 4.125%
HK$107,560
baseline
▲ 0.50% · 4.625%
HK$113,229
+HK$5,669/mo
Deposit HK$13.41M · loan HK$20.11M · min. income ≈ HK$215,120/mo (50% DSR)
Upfront cash ≈ HK$14.83M (deposit + AVD stamp duty HK$1,424,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,016
−HK$6,711/mo
▼ 0.25% · 3.875%
HK$110,345
−HK$3,382/mo
Today · 4.125%
HK$113,727
baseline
▲ 0.50% · 4.625%
HK$120,647
+HK$6,920/mo
Deposit HK$10.06M · loan HK$23.47M · min. income ≈ HK$227,454/mo (50% DSR)
Upfront cash ≈ HK$11.48M (deposit + AVD stamp duty HK$1,424,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,054
−HK$6,432/mo
▼ 0.25% · 3.875%
HK$122,247
−HK$3,239/mo
Today · 4.125%
HK$125,486
baseline
▲ 0.50% · 4.625%
HK$132,101
+HK$6,615/mo
Deposit HK$10.06M · loan HK$23.47M · min. income ≈ HK$250,972/mo (50% DSR)
Upfront cash ≈ HK$11.48M (deposit + AVD stamp duty HK$1,424,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,592
−HK$8,628/mo
▼ 0.25% · 3.875%
HK$141,872
−HK$4,348/mo
Today · 4.125%
HK$146,220
baseline
▲ 0.50% · 4.625%
HK$155,117
+HK$8,897/mo
Deposit HK$3.35M · loan HK$30.17M · min. income ≈ HK$292,440/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$1,424,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,069
−HK$8,270/mo
▼ 0.25% · 3.875%
HK$157,175
−HK$4,164/mo
Today · 4.125%
HK$161,339
baseline
▲ 0.50% · 4.625%
HK$169,844
+HK$8,505/mo
Deposit HK$3.35M · loan HK$30.17M · min. income ≈ HK$322,678/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$1,424,706 · Scale 2, in force from 26 Feb 2026)