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$76,069
−HK$4,770/mo
▼ 0.25% · 3.875%
HK$78,435
−HK$2,404/mo
Today · 4.125%
HK$80,839
baseline
▲ 0.50% · 4.625%
HK$85,758
+HK$4,919/mo
Deposit HK$16.68M · loan HK$16.68M · min. income ≈ HK$161,678/mo (50% DSR)
Upfront cash ≈ HK$18.10M (deposit + AVD stamp duty HK$1,417,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,626
−HK$4,572/mo
▼ 0.25% · 3.875%
HK$86,896
−HK$2,302/mo
Today · 4.125%
HK$89,198
baseline
▲ 0.50% · 4.625%
HK$93,900
+HK$4,702/mo
Deposit HK$16.68M · loan HK$16.68M · min. income ≈ HK$178,396/mo (50% DSR)
Upfront cash ≈ HK$18.10M (deposit + AVD stamp duty HK$1,417,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,283
−HK$5,724/mo
▼ 0.25% · 3.875%
HK$94,122
−HK$2,885/mo
Today · 4.125%
HK$97,007
baseline
▲ 0.50% · 4.625%
HK$102,910
+HK$5,903/mo
Deposit HK$13.34M · loan HK$20.02M · min. income ≈ HK$194,014/mo (50% DSR)
Upfront cash ≈ HK$14.76M (deposit + AVD stamp duty HK$1,417,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,551
−HK$5,487/mo
▼ 0.25% · 3.875%
HK$104,275
−HK$2,763/mo
Today · 4.125%
HK$107,038
baseline
▲ 0.50% · 4.625%
HK$112,680
+HK$5,642/mo
Deposit HK$13.34M · loan HK$20.02M · min. income ≈ HK$214,076/mo (50% DSR)
Upfront cash ≈ HK$14.76M (deposit + AVD stamp duty HK$1,417,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,497
−HK$6,678/mo
▼ 0.25% · 3.875%
HK$109,810
−HK$3,365/mo
Today · 4.125%
HK$113,175
baseline
▲ 0.50% · 4.625%
HK$120,062
+HK$6,887/mo
Deposit HK$10.01M · loan HK$23.35M · min. income ≈ HK$226,350/mo (50% DSR)
Upfront cash ≈ HK$11.43M (deposit + AVD stamp duty HK$1,417,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,477
−HK$6,401/mo
▼ 0.25% · 3.875%
HK$121,654
−HK$3,224/mo
Today · 4.125%
HK$124,878
baseline
▲ 0.50% · 4.625%
HK$131,460
+HK$6,582/mo
Deposit HK$10.01M · loan HK$23.35M · min. income ≈ HK$249,756/mo (50% DSR)
Upfront cash ≈ HK$11.43M (deposit + AVD stamp duty HK$1,417,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,925
−HK$8,586/mo
▼ 0.25% · 3.875%
HK$141,184
−HK$4,327/mo
Today · 4.125%
HK$145,511
baseline
▲ 0.50% · 4.625%
HK$154,365
+HK$8,854/mo
Deposit HK$3.34M · loan HK$30.02M · min. income ≈ HK$291,022/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$1,417,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,327
−HK$8,230/mo
▼ 0.25% · 3.875%
HK$156,413
−HK$4,144/mo
Today · 4.125%
HK$160,557
baseline
▲ 0.50% · 4.625%
HK$169,020
+HK$8,463/mo
Deposit HK$3.34M · loan HK$30.02M · min. income ≈ HK$321,114/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$1,417,798 · Scale 2, in force from 26 Feb 2026)