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$76,249
−HK$4,781/mo
▼ 0.25% · 3.875%
HK$78,620
−HK$2,410/mo
Today · 4.125%
HK$81,030
baseline
▲ 0.50% · 4.625%
HK$85,961
+HK$4,931/mo
Deposit HK$16.72M · loan HK$16.72M · min. income ≈ HK$162,060/mo (50% DSR)
Upfront cash ≈ HK$18.14M (deposit + AVD stamp duty HK$1,421,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,826
−HK$4,583/mo
▼ 0.25% · 3.875%
HK$87,101
−HK$2,308/mo
Today · 4.125%
HK$89,409
baseline
▲ 0.50% · 4.625%
HK$94,122
+HK$4,713/mo
Deposit HK$16.72M · loan HK$16.72M · min. income ≈ HK$178,818/mo (50% DSR)
Upfront cash ≈ HK$18.14M (deposit + AVD stamp duty HK$1,421,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,498
−HK$5,738/mo
▼ 0.25% · 3.875%
HK$94,345
−HK$2,891/mo
Today · 4.125%
HK$97,236
baseline
▲ 0.50% · 4.625%
HK$103,153
+HK$5,917/mo
Deposit HK$13.38M · loan HK$20.06M · min. income ≈ HK$194,472/mo (50% DSR)
Upfront cash ≈ HK$14.80M (deposit + AVD stamp duty HK$1,421,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,791
−HK$5,500/mo
▼ 0.25% · 3.875%
HK$104,521
−HK$2,770/mo
Today · 4.125%
HK$107,291
baseline
▲ 0.50% · 4.625%
HK$112,946
+HK$5,655/mo
Deposit HK$13.38M · loan HK$20.06M · min. income ≈ HK$214,582/mo (50% DSR)
Upfront cash ≈ HK$14.80M (deposit + AVD stamp duty HK$1,421,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,748
−HK$6,694/mo
▼ 0.25% · 3.875%
HK$110,069
−HK$3,373/mo
Today · 4.125%
HK$113,442
baseline
▲ 0.50% · 4.625%
HK$120,345
+HK$6,903/mo
Deposit HK$10.03M · loan HK$23.41M · min. income ≈ HK$226,884/mo (50% DSR)
Upfront cash ≈ HK$11.45M (deposit + AVD stamp duty HK$1,421,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,756
−HK$6,416/mo
▼ 0.25% · 3.875%
HK$121,941
−HK$3,231/mo
Today · 4.125%
HK$125,172
baseline
▲ 0.50% · 4.625%
HK$131,770
+HK$6,598/mo
Deposit HK$10.03M · loan HK$23.41M · min. income ≈ HK$250,344/mo (50% DSR)
Upfront cash ≈ HK$11.45M (deposit + AVD stamp duty HK$1,421,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,248
−HK$8,606/mo
▼ 0.25% · 3.875%
HK$141,517
−HK$4,337/mo
Today · 4.125%
HK$145,854
baseline
▲ 0.50% · 4.625%
HK$154,729
+HK$8,875/mo
Deposit HK$3.34M · loan HK$30.09M · min. income ≈ HK$291,708/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$1,421,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,687
−HK$8,249/mo
▼ 0.25% · 3.875%
HK$156,782
−HK$4,154/mo
Today · 4.125%
HK$160,936
baseline
▲ 0.50% · 4.625%
HK$169,419
+HK$8,483/mo
Deposit HK$3.34M · loan HK$30.09M · min. income ≈ HK$321,872/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$1,421,143 · Scale 2, in force from 26 Feb 2026)