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$4,781/mo
▼ 0.25% · 3.875%
HK$78,610
−HK$2,409/mo
Today · 4.125%
HK$81,019
baseline
▲ 0.50% · 4.625%
HK$85,949
+HK$4,930/mo
Deposit HK$16.72M · loan HK$16.72M · min. income ≈ HK$162,038/mo (50% DSR)
Upfront cash ≈ HK$18.14M (deposit + AVD stamp duty HK$1,420,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,814
−HK$4,583/mo
▼ 0.25% · 3.875%
HK$87,089
−HK$2,308/mo
Today · 4.125%
HK$89,397
baseline
▲ 0.50% · 4.625%
HK$94,109
+HK$4,712/mo
Deposit HK$16.72M · loan HK$16.72M · min. income ≈ HK$178,794/mo (50% DSR)
Upfront cash ≈ HK$18.14M (deposit + AVD stamp duty HK$1,420,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,486
−HK$5,737/mo
▼ 0.25% · 3.875%
HK$94,332
−HK$2,891/mo
Today · 4.125%
HK$97,223
baseline
▲ 0.50% · 4.625%
HK$103,139
+HK$5,916/mo
Deposit HK$13.37M · loan HK$20.06M · min. income ≈ HK$194,446/mo (50% DSR)
Upfront cash ≈ HK$14.79M (deposit + AVD stamp duty HK$1,420,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,777
−HK$5,499/mo
▼ 0.25% · 3.875%
HK$104,507
−HK$2,769/mo
Today · 4.125%
HK$107,276
baseline
▲ 0.50% · 4.625%
HK$112,931
+HK$5,655/mo
Deposit HK$13.37M · loan HK$20.06M · min. income ≈ HK$214,552/mo (50% DSR)
Upfront cash ≈ HK$14.79M (deposit + AVD stamp duty HK$1,420,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,734
−HK$6,693/mo
▼ 0.25% · 3.875%
HK$110,054
−HK$3,373/mo
Today · 4.125%
HK$113,427
baseline
▲ 0.50% · 4.625%
HK$120,329
+HK$6,902/mo
Deposit HK$10.03M · loan HK$23.40M · min. income ≈ HK$226,854/mo (50% DSR)
Upfront cash ≈ HK$11.45M (deposit + AVD stamp duty HK$1,420,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,740
−HK$6,415/mo
▼ 0.25% · 3.875%
HK$121,925
−HK$3,230/mo
Today · 4.125%
HK$125,155
baseline
▲ 0.50% · 4.625%
HK$131,753
+HK$6,598/mo
Deposit HK$10.03M · loan HK$23.40M · min. income ≈ HK$250,310/mo (50% DSR)
Upfront cash ≈ HK$11.45M (deposit + AVD stamp duty HK$1,420,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,229
−HK$8,606/mo
▼ 0.25% · 3.875%
HK$141,498
−HK$4,337/mo
Today · 4.125%
HK$145,835
baseline
▲ 0.50% · 4.625%
HK$154,708
+HK$8,873/mo
Deposit HK$3.34M · loan HK$30.09M · min. income ≈ HK$291,670/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$1,420,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,666
−HK$8,248/mo
▼ 0.25% · 3.875%
HK$156,760
−HK$4,154/mo
Today · 4.125%
HK$160,914
baseline
▲ 0.50% · 4.625%
HK$169,396
+HK$8,482/mo
Deposit HK$3.34M · loan HK$30.09M · min. income ≈ HK$321,828/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$1,420,952 · Scale 2, in force from 26 Feb 2026)