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$76,424
−HK$4,792/mo
▼ 0.25% · 3.875%
HK$78,801
−HK$2,415/mo
Today · 4.125%
HK$81,216
baseline
▲ 0.50% · 4.625%
HK$86,158
+HK$4,942/mo
Deposit HK$16.76M · loan HK$16.76M · min. income ≈ HK$162,432/mo (50% DSR)
Upfront cash ≈ HK$18.18M (deposit + AVD stamp duty HK$1,424,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,021
−HK$4,593/mo
▼ 0.25% · 3.875%
HK$87,301
−HK$2,313/mo
Today · 4.125%
HK$89,614
baseline
▲ 0.50% · 4.625%
HK$94,338
+HK$4,724/mo
Deposit HK$16.76M · loan HK$16.76M · min. income ≈ HK$179,228/mo (50% DSR)
Upfront cash ≈ HK$18.18M (deposit + AVD stamp duty HK$1,424,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,709
−HK$5,751/mo
▼ 0.25% · 3.875%
HK$94,562
−HK$2,898/mo
Today · 4.125%
HK$97,460
baseline
▲ 0.50% · 4.625%
HK$103,390
+HK$5,930/mo
Deposit HK$13.41M · loan HK$20.11M · min. income ≈ HK$194,920/mo (50% DSR)
Upfront cash ≈ HK$14.83M (deposit + AVD stamp duty HK$1,424,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,025
−HK$5,512/mo
▼ 0.25% · 3.875%
HK$104,761
−HK$2,776/mo
Today · 4.125%
HK$107,537
baseline
▲ 0.50% · 4.625%
HK$113,206
+HK$5,669/mo
Deposit HK$13.41M · loan HK$20.11M · min. income ≈ HK$215,074/mo (50% DSR)
Upfront cash ≈ HK$14.83M (deposit + AVD stamp duty HK$1,424,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,994
−HK$6,709/mo
▼ 0.25% · 3.875%
HK$110,322
−HK$3,381/mo
Today · 4.125%
HK$113,703
baseline
▲ 0.50% · 4.625%
HK$120,622
+HK$6,919/mo
Deposit HK$10.05M · loan HK$23.46M · min. income ≈ HK$227,406/mo (50% DSR)
Upfront cash ≈ HK$11.48M (deposit + AVD stamp duty HK$1,424,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,029
−HK$6,431/mo
▼ 0.25% · 3.875%
HK$122,222
−HK$3,238/mo
Today · 4.125%
HK$125,460
baseline
▲ 0.50% · 4.625%
HK$132,073
+HK$6,613/mo
Deposit HK$10.05M · loan HK$23.46M · min. income ≈ HK$250,920/mo (50% DSR)
Upfront cash ≈ HK$11.48M (deposit + AVD stamp duty HK$1,424,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,563
−HK$8,627/mo
▼ 0.25% · 3.875%
HK$141,842
−HK$4,348/mo
Today · 4.125%
HK$146,190
baseline
▲ 0.50% · 4.625%
HK$155,085
+HK$8,895/mo
Deposit HK$3.35M · loan HK$30.16M · min. income ≈ HK$292,380/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$1,424,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,038
−HK$8,268/mo
▼ 0.25% · 3.875%
HK$157,142
−HK$4,164/mo
Today · 4.125%
HK$161,306
baseline
▲ 0.50% · 4.625%
HK$169,809
+HK$8,503/mo
Deposit HK$3.35M · loan HK$30.16M · min. income ≈ HK$322,612/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$1,424,411 · Scale 2, in force from 26 Feb 2026)