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$76,140
−HK$4,774/mo
▼ 0.25% · 3.875%
HK$78,508
−HK$2,406/mo
Today · 4.125%
HK$80,914
baseline
▲ 0.50% · 4.625%
HK$85,838
+HK$4,924/mo
Deposit HK$16.70M · loan HK$16.70M · min. income ≈ HK$161,828/mo (50% DSR)
Upfront cash ≈ HK$18.11M (deposit + AVD stamp duty HK$1,419,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,705
−HK$4,576/mo
▼ 0.25% · 3.875%
HK$86,976
−HK$2,305/mo
Today · 4.125%
HK$89,281
baseline
▲ 0.50% · 4.625%
HK$93,987
+HK$4,706/mo
Deposit HK$16.70M · loan HK$16.70M · min. income ≈ HK$178,562/mo (50% DSR)
Upfront cash ≈ HK$18.11M (deposit + AVD stamp duty HK$1,419,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,368
−HK$5,729/mo
▼ 0.25% · 3.875%
HK$94,210
−HK$2,887/mo
Today · 4.125%
HK$97,097
baseline
▲ 0.50% · 4.625%
HK$103,005
+HK$5,908/mo
Deposit HK$13.36M · loan HK$20.03M · min. income ≈ HK$194,194/mo (50% DSR)
Upfront cash ≈ HK$14.78M (deposit + AVD stamp duty HK$1,419,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,646
−HK$5,491/mo
▼ 0.25% · 3.875%
HK$104,372
−HK$2,765/mo
Today · 4.125%
HK$107,137
baseline
▲ 0.50% · 4.625%
HK$112,785
+HK$5,648/mo
Deposit HK$13.36M · loan HK$20.03M · min. income ≈ HK$214,274/mo (50% DSR)
Upfront cash ≈ HK$14.78M (deposit + AVD stamp duty HK$1,419,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,596
−HK$6,684/mo
▼ 0.25% · 3.875%
HK$109,911
−HK$3,369/mo
Today · 4.125%
HK$113,280
baseline
▲ 0.50% · 4.625%
HK$120,173
+HK$6,893/mo
Deposit HK$10.02M · loan HK$23.37M · min. income ≈ HK$226,560/mo (50% DSR)
Upfront cash ≈ HK$11.44M (deposit + AVD stamp duty HK$1,419,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,587
−HK$6,406/mo
▼ 0.25% · 3.875%
HK$121,767
−HK$3,226/mo
Today · 4.125%
HK$124,993
baseline
▲ 0.50% · 4.625%
HK$131,582
+HK$6,589/mo
Deposit HK$10.02M · loan HK$23.37M · min. income ≈ HK$249,986/mo (50% DSR)
Upfront cash ≈ HK$11.44M (deposit + AVD stamp duty HK$1,419,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,051
−HK$8,595/mo
▼ 0.25% · 3.875%
HK$141,315
−HK$4,331/mo
Today · 4.125%
HK$145,646
baseline
▲ 0.50% · 4.625%
HK$154,508
+HK$8,862/mo
Deposit HK$3.34M · loan HK$30.05M · min. income ≈ HK$291,292/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$1,419,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,468
−HK$8,238/mo
▼ 0.25% · 3.875%
HK$156,558
−HK$4,148/mo
Today · 4.125%
HK$160,706
baseline
▲ 0.50% · 4.625%
HK$169,177
+HK$8,471/mo
Deposit HK$3.34M · loan HK$30.05M · min. income ≈ HK$321,412/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$1,419,112 · Scale 2, in force from 26 Feb 2026)