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$76,338
−HK$4,787/mo
▼ 0.25% · 3.875%
HK$78,712
−HK$2,413/mo
Today · 4.125%
HK$81,125
baseline
▲ 0.50% · 4.625%
HK$86,061
+HK$4,936/mo
Deposit HK$16.74M · loan HK$16.74M · min. income ≈ HK$162,250/mo (50% DSR)
Upfront cash ≈ HK$18.16M (deposit + AVD stamp duty HK$1,422,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,925
−HK$4,588/mo
▼ 0.25% · 3.875%
HK$87,203
−HK$2,310/mo
Today · 4.125%
HK$89,513
baseline
▲ 0.50% · 4.625%
HK$94,232
+HK$4,719/mo
Deposit HK$16.74M · loan HK$16.74M · min. income ≈ HK$179,026/mo (50% DSR)
Upfront cash ≈ HK$18.16M (deposit + AVD stamp duty HK$1,422,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,605
−HK$5,745/mo
▼ 0.25% · 3.875%
HK$94,455
−HK$2,895/mo
Today · 4.125%
HK$97,350
baseline
▲ 0.50% · 4.625%
HK$103,273
+HK$5,923/mo
Deposit HK$13.39M · loan HK$20.09M · min. income ≈ HK$194,700/mo (50% DSR)
Upfront cash ≈ HK$14.81M (deposit + AVD stamp duty HK$1,422,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,910
−HK$5,506/mo
▼ 0.25% · 3.875%
HK$104,643
−HK$2,773/mo
Today · 4.125%
HK$107,416
baseline
▲ 0.50% · 4.625%
HK$113,078
+HK$5,662/mo
Deposit HK$13.39M · loan HK$20.09M · min. income ≈ HK$214,832/mo (50% DSR)
Upfront cash ≈ HK$14.81M (deposit + AVD stamp duty HK$1,422,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,873
−HK$6,702/mo
▼ 0.25% · 3.875%
HK$110,197
−HK$3,378/mo
Today · 4.125%
HK$113,575
baseline
▲ 0.50% · 4.625%
HK$120,485
+HK$6,910/mo
Deposit HK$10.04M · loan HK$23.43M · min. income ≈ HK$227,150/mo (50% DSR)
Upfront cash ≈ HK$11.47M (deposit + AVD stamp duty HK$1,422,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,895
−HK$6,423/mo
▼ 0.25% · 3.875%
HK$122,084
−HK$3,234/mo
Today · 4.125%
HK$125,318
baseline
▲ 0.50% · 4.625%
HK$131,924
+HK$6,606/mo
Deposit HK$10.04M · loan HK$23.43M · min. income ≈ HK$250,636/mo (50% DSR)
Upfront cash ≈ HK$11.47M (deposit + AVD stamp duty HK$1,422,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,408
−HK$8,617/mo
▼ 0.25% · 3.875%
HK$141,682
−HK$4,343/mo
Today · 4.125%
HK$146,025
baseline
▲ 0.50% · 4.625%
HK$154,910
+HK$8,885/mo
Deposit HK$3.35M · loan HK$30.13M · min. income ≈ HK$292,050/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$1,422,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,865
−HK$8,259/mo
▼ 0.25% · 3.875%
HK$156,965
−HK$4,159/mo
Today · 4.125%
HK$161,124
baseline
▲ 0.50% · 4.625%
HK$169,617
+HK$8,493/mo
Deposit HK$3.35M · loan HK$30.13M · min. income ≈ HK$322,248/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$1,422,802 · Scale 2, in force from 26 Feb 2026)