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$76,240
−HK$4,781/mo
▼ 0.25% · 3.875%
HK$78,611
−HK$2,410/mo
Today · 4.125%
HK$81,021
baseline
▲ 0.50% · 4.625%
HK$85,951
+HK$4,930/mo
Deposit HK$16.72M · loan HK$16.72M · min. income ≈ HK$162,042/mo (50% DSR)
Upfront cash ≈ HK$18.14M (deposit + AVD stamp duty HK$1,420,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,816
−HK$4,582/mo
▼ 0.25% · 3.875%
HK$87,091
−HK$2,307/mo
Today · 4.125%
HK$89,398
baseline
▲ 0.50% · 4.625%
HK$94,111
+HK$4,713/mo
Deposit HK$16.72M · loan HK$16.72M · min. income ≈ HK$178,796/mo (50% DSR)
Upfront cash ≈ HK$18.14M (deposit + AVD stamp duty HK$1,420,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,488
−HK$5,737/mo
▼ 0.25% · 3.875%
HK$94,333
−HK$2,892/mo
Today · 4.125%
HK$97,225
baseline
▲ 0.50% · 4.625%
HK$103,141
+HK$5,916/mo
Deposit HK$13.37M · loan HK$20.06M · min. income ≈ HK$194,450/mo (50% DSR)
Upfront cash ≈ HK$14.79M (deposit + AVD stamp duty HK$1,420,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,779
−HK$5,499/mo
▼ 0.25% · 3.875%
HK$104,509
−HK$2,769/mo
Today · 4.125%
HK$107,278
baseline
▲ 0.50% · 4.625%
HK$112,933
+HK$5,655/mo
Deposit HK$13.37M · loan HK$20.06M · min. income ≈ HK$214,556/mo (50% DSR)
Upfront cash ≈ HK$14.79M (deposit + AVD stamp duty HK$1,420,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,736
−HK$6,693/mo
▼ 0.25% · 3.875%
HK$110,056
−HK$3,373/mo
Today · 4.125%
HK$113,429
baseline
▲ 0.50% · 4.625%
HK$120,331
+HK$6,902/mo
Deposit HK$10.03M · loan HK$23.40M · min. income ≈ HK$226,858/mo (50% DSR)
Upfront cash ≈ HK$11.45M (deposit + AVD stamp duty HK$1,420,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,742
−HK$6,416/mo
▼ 0.25% · 3.875%
HK$121,927
−HK$3,231/mo
Today · 4.125%
HK$125,158
baseline
▲ 0.50% · 4.625%
HK$131,755
+HK$6,597/mo
Deposit HK$10.03M · loan HK$23.40M · min. income ≈ HK$250,316/mo (50% DSR)
Upfront cash ≈ HK$11.45M (deposit + AVD stamp duty HK$1,420,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,231
−HK$8,606/mo
▼ 0.25% · 3.875%
HK$141,500
−HK$4,337/mo
Today · 4.125%
HK$145,837
baseline
▲ 0.50% · 4.625%
HK$154,711
+HK$8,874/mo
Deposit HK$3.34M · loan HK$30.09M · min. income ≈ HK$291,674/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$1,420,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,669
−HK$8,248/mo
▼ 0.25% · 3.875%
HK$156,763
−HK$4,154/mo
Today · 4.125%
HK$160,917
baseline
▲ 0.50% · 4.625%
HK$169,399
+HK$8,482/mo
Deposit HK$3.34M · loan HK$30.09M · min. income ≈ HK$321,834/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$1,420,975 · Scale 2, in force from 26 Feb 2026)