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$76,128
−HK$4,774/mo
▼ 0.25% · 3.875%
HK$78,496
−HK$2,406/mo
Today · 4.125%
HK$80,902
baseline
▲ 0.50% · 4.625%
HK$85,825
+HK$4,923/mo
Deposit HK$16.69M · loan HK$16.69M · min. income ≈ HK$161,804/mo (50% DSR)
Upfront cash ≈ HK$18.11M (deposit + AVD stamp duty HK$1,418,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,692
−HK$4,575/mo
▼ 0.25% · 3.875%
HK$86,963
−HK$2,304/mo
Today · 4.125%
HK$89,267
baseline
▲ 0.50% · 4.625%
HK$93,973
+HK$4,706/mo
Deposit HK$16.69M · loan HK$16.69M · min. income ≈ HK$178,534/mo (50% DSR)
Upfront cash ≈ HK$18.11M (deposit + AVD stamp duty HK$1,418,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,354
−HK$5,728/mo
▼ 0.25% · 3.875%
HK$94,195
−HK$2,887/mo
Today · 4.125%
HK$97,082
baseline
▲ 0.50% · 4.625%
HK$102,990
+HK$5,908/mo
Deposit HK$13.35M · loan HK$20.03M · min. income ≈ HK$194,164/mo (50% DSR)
Upfront cash ≈ HK$14.77M (deposit + AVD stamp duty HK$1,418,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,630
−HK$5,491/mo
▼ 0.25% · 3.875%
HK$104,356
−HK$2,765/mo
Today · 4.125%
HK$107,121
baseline
▲ 0.50% · 4.625%
HK$112,767
+HK$5,646/mo
Deposit HK$13.35M · loan HK$20.03M · min. income ≈ HK$214,242/mo (50% DSR)
Upfront cash ≈ HK$14.77M (deposit + AVD stamp duty HK$1,418,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,579
−HK$6,684/mo
▼ 0.25% · 3.875%
HK$109,894
−HK$3,369/mo
Today · 4.125%
HK$113,263
baseline
▲ 0.50% · 4.625%
HK$120,154
+HK$6,891/mo
Deposit HK$10.02M · loan HK$23.37M · min. income ≈ HK$226,526/mo (50% DSR)
Upfront cash ≈ HK$11.43M (deposit + AVD stamp duty HK$1,418,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,568
−HK$6,406/mo
▼ 0.25% · 3.875%
HK$121,748
−HK$3,226/mo
Today · 4.125%
HK$124,974
baseline
▲ 0.50% · 4.625%
HK$131,562
+HK$6,588/mo
Deposit HK$10.02M · loan HK$23.37M · min. income ≈ HK$249,948/mo (50% DSR)
Upfront cash ≈ HK$11.43M (deposit + AVD stamp duty HK$1,418,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,030
−HK$8,593/mo
▼ 0.25% · 3.875%
HK$141,293
−HK$4,330/mo
Today · 4.125%
HK$145,623
baseline
▲ 0.50% · 4.625%
HK$154,484
+HK$8,861/mo
Deposit HK$3.34M · loan HK$30.05M · min. income ≈ HK$291,246/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$1,418,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,445
−HK$8,236/mo
▼ 0.25% · 3.875%
HK$156,534
−HK$4,147/mo
Today · 4.125%
HK$160,681
baseline
▲ 0.50% · 4.625%
HK$169,151
+HK$8,470/mo
Deposit HK$3.34M · loan HK$30.05M · min. income ≈ HK$321,362/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$1,418,894 · Scale 2, in force from 26 Feb 2026)