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$76,614
−HK$4,804/mo
▼ 0.25% · 3.875%
HK$78,997
−HK$2,421/mo
Today · 4.125%
HK$81,418
baseline
▲ 0.50% · 4.625%
HK$86,372
+HK$4,954/mo
Deposit HK$16.80M · loan HK$16.80M · min. income ≈ HK$162,836/mo (50% DSR)
Upfront cash ≈ HK$18.23M (deposit + AVD stamp duty HK$1,427,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,232
−HK$4,605/mo
▼ 0.25% · 3.875%
HK$87,518
−HK$2,319/mo
Today · 4.125%
HK$89,837
baseline
▲ 0.50% · 4.625%
HK$94,572
+HK$4,735/mo
Deposit HK$16.80M · loan HK$16.80M · min. income ≈ HK$179,674/mo (50% DSR)
Upfront cash ≈ HK$18.23M (deposit + AVD stamp duty HK$1,427,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,936
−HK$5,766/mo
▼ 0.25% · 3.875%
HK$94,796
−HK$2,906/mo
Today · 4.125%
HK$97,702
baseline
▲ 0.50% · 4.625%
HK$103,647
+HK$5,945/mo
Deposit HK$13.44M · loan HK$20.16M · min. income ≈ HK$195,404/mo (50% DSR)
Upfront cash ≈ HK$14.87M (deposit + AVD stamp duty HK$1,427,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,278
−HK$5,526/mo
▼ 0.25% · 3.875%
HK$105,021
−HK$2,783/mo
Today · 4.125%
HK$107,804
baseline
▲ 0.50% · 4.625%
HK$113,487
+HK$5,683/mo
Deposit HK$13.44M · loan HK$20.16M · min. income ≈ HK$215,608/mo (50% DSR)
Upfront cash ≈ HK$14.87M (deposit + AVD stamp duty HK$1,427,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,259
−HK$6,726/mo
▼ 0.25% · 3.875%
HK$110,596
−HK$3,389/mo
Today · 4.125%
HK$113,985
baseline
▲ 0.50% · 4.625%
HK$120,921
+HK$6,936/mo
Deposit HK$10.08M · loan HK$23.52M · min. income ≈ HK$227,970/mo (50% DSR)
Upfront cash ≈ HK$11.51M (deposit + AVD stamp duty HK$1,427,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,325
−HK$6,446/mo
▼ 0.25% · 3.875%
HK$122,525
−HK$3,246/mo
Today · 4.125%
HK$125,771
baseline
▲ 0.50% · 4.625%
HK$132,401
+HK$6,630/mo
Deposit HK$10.08M · loan HK$23.52M · min. income ≈ HK$251,542/mo (50% DSR)
Upfront cash ≈ HK$11.51M (deposit + AVD stamp duty HK$1,427,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,905
−HK$8,647/mo
▼ 0.25% · 3.875%
HK$142,194
−HK$4,358/mo
Today · 4.125%
HK$146,552
baseline
▲ 0.50% · 4.625%
HK$155,470
+HK$8,918/mo
Deposit HK$3.36M · loan HK$30.24M · min. income ≈ HK$293,104/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$1,427,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,417
−HK$8,289/mo
▼ 0.25% · 3.875%
HK$157,532
−HK$4,174/mo
Today · 4.125%
HK$161,706
baseline
▲ 0.50% · 4.625%
HK$170,230
+HK$8,524/mo
Deposit HK$3.36M · loan HK$30.24M · min. income ≈ HK$323,412/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$1,427,946 · Scale 2, in force from 26 Feb 2026)