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$76,333
−HK$4,787/mo
▼ 0.25% · 3.875%
HK$78,707
−HK$2,413/mo
Today · 4.125%
HK$81,120
baseline
▲ 0.50% · 4.625%
HK$86,056
+HK$4,936/mo
Deposit HK$16.74M · loan HK$16.74M · min. income ≈ HK$162,240/mo (50% DSR)
Upfront cash ≈ HK$18.16M (deposit + AVD stamp duty HK$1,422,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,920
−HK$4,588/mo
▼ 0.25% · 3.875%
HK$87,197
−HK$2,311/mo
Today · 4.125%
HK$89,508
baseline
▲ 0.50% · 4.625%
HK$94,226
+HK$4,718/mo
Deposit HK$16.74M · loan HK$16.74M · min. income ≈ HK$179,016/mo (50% DSR)
Upfront cash ≈ HK$18.16M (deposit + AVD stamp duty HK$1,422,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,600
−HK$5,744/mo
▼ 0.25% · 3.875%
HK$94,449
−HK$2,895/mo
Today · 4.125%
HK$97,344
baseline
▲ 0.50% · 4.625%
HK$103,267
+HK$5,923/mo
Deposit HK$13.39M · loan HK$20.09M · min. income ≈ HK$194,688/mo (50% DSR)
Upfront cash ≈ HK$14.81M (deposit + AVD stamp duty HK$1,422,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,904
−HK$5,505/mo
▼ 0.25% · 3.875%
HK$104,637
−HK$2,772/mo
Today · 4.125%
HK$107,409
baseline
▲ 0.50% · 4.625%
HK$113,071
+HK$5,662/mo
Deposit HK$13.39M · loan HK$20.09M · min. income ≈ HK$214,818/mo (50% DSR)
Upfront cash ≈ HK$14.81M (deposit + AVD stamp duty HK$1,422,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,866
−HK$6,702/mo
▼ 0.25% · 3.875%
HK$110,190
−HK$3,378/mo
Today · 4.125%
HK$113,568
baseline
▲ 0.50% · 4.625%
HK$120,478
+HK$6,910/mo
Deposit HK$10.04M · loan HK$23.43M · min. income ≈ HK$227,136/mo (50% DSR)
Upfront cash ≈ HK$11.47M (deposit + AVD stamp duty HK$1,422,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,888
−HK$6,423/mo
▼ 0.25% · 3.875%
HK$122,076
−HK$3,235/mo
Today · 4.125%
HK$125,311
baseline
▲ 0.50% · 4.625%
HK$131,916
+HK$6,605/mo
Deposit HK$10.04M · loan HK$23.43M · min. income ≈ HK$250,622/mo (50% DSR)
Upfront cash ≈ HK$11.47M (deposit + AVD stamp duty HK$1,422,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,399
−HK$8,616/mo
▼ 0.25% · 3.875%
HK$141,673
−HK$4,342/mo
Today · 4.125%
HK$146,015
baseline
▲ 0.50% · 4.625%
HK$154,900
+HK$8,885/mo
Deposit HK$3.35M · loan HK$30.13M · min. income ≈ HK$292,030/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$1,422,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,855
−HK$8,259/mo
▼ 0.25% · 3.875%
HK$156,955
−HK$4,159/mo
Today · 4.125%
HK$161,114
baseline
▲ 0.50% · 4.625%
HK$169,606
+HK$8,492/mo
Deposit HK$3.35M · loan HK$30.13M · min. income ≈ HK$322,228/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$1,422,714 · Scale 2, in force from 26 Feb 2026)