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$76,238
−HK$4,780/mo
▼ 0.25% · 3.875%
HK$78,609
−HK$2,409/mo
Today · 4.125%
HK$81,018
baseline
▲ 0.50% · 4.625%
HK$85,948
+HK$4,930/mo
Deposit HK$16.72M · loan HK$16.72M · min. income ≈ HK$162,036/mo (50% DSR)
Upfront cash ≈ HK$18.14M (deposit + AVD stamp duty HK$1,420,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,814
−HK$4,582/mo
▼ 0.25% · 3.875%
HK$87,088
−HK$2,308/mo
Today · 4.125%
HK$89,396
baseline
▲ 0.50% · 4.625%
HK$94,108
+HK$4,712/mo
Deposit HK$16.72M · loan HK$16.72M · min. income ≈ HK$178,792/mo (50% DSR)
Upfront cash ≈ HK$18.14M (deposit + AVD stamp duty HK$1,420,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,485
−HK$5,737/mo
▼ 0.25% · 3.875%
HK$94,331
−HK$2,891/mo
Today · 4.125%
HK$97,222
baseline
▲ 0.50% · 4.625%
HK$103,138
+HK$5,916/mo
Deposit HK$13.37M · loan HK$20.06M · min. income ≈ HK$194,444/mo (50% DSR)
Upfront cash ≈ HK$14.79M (deposit + AVD stamp duty HK$1,420,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,776
−HK$5,499/mo
▼ 0.25% · 3.875%
HK$104,506
−HK$2,769/mo
Today · 4.125%
HK$107,275
baseline
▲ 0.50% · 4.625%
HK$112,929
+HK$5,654/mo
Deposit HK$13.37M · loan HK$20.06M · min. income ≈ HK$214,550/mo (50% DSR)
Upfront cash ≈ HK$14.79M (deposit + AVD stamp duty HK$1,420,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,733
−HK$6,693/mo
▼ 0.25% · 3.875%
HK$110,053
−HK$3,373/mo
Today · 4.125%
HK$113,426
baseline
▲ 0.50% · 4.625%
HK$120,327
+HK$6,901/mo
Deposit HK$10.03M · loan HK$23.40M · min. income ≈ HK$226,852/mo (50% DSR)
Upfront cash ≈ HK$11.45M (deposit + AVD stamp duty HK$1,420,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,739
−HK$6,415/mo
▼ 0.25% · 3.875%
HK$121,923
−HK$3,231/mo
Today · 4.125%
HK$125,154
baseline
▲ 0.50% · 4.625%
HK$131,751
+HK$6,597/mo
Deposit HK$10.03M · loan HK$23.40M · min. income ≈ HK$250,308/mo (50% DSR)
Upfront cash ≈ HK$11.45M (deposit + AVD stamp duty HK$1,420,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,228
−HK$8,605/mo
▼ 0.25% · 3.875%
HK$141,496
−HK$4,337/mo
Today · 4.125%
HK$145,833
baseline
▲ 0.50% · 4.625%
HK$154,707
+HK$8,874/mo
Deposit HK$3.34M · loan HK$30.09M · min. income ≈ HK$291,666/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$1,420,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,664
−HK$8,248/mo
▼ 0.25% · 3.875%
HK$156,759
−HK$4,153/mo
Today · 4.125%
HK$160,912
baseline
▲ 0.50% · 4.625%
HK$169,394
+HK$8,482/mo
Deposit HK$3.34M · loan HK$30.09M · min. income ≈ HK$321,824/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$1,420,935 · Scale 2, in force from 26 Feb 2026)