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$76,065
−HK$4,770/mo
▼ 0.25% · 3.875%
HK$78,431
−HK$2,404/mo
Today · 4.125%
HK$80,835
baseline
▲ 0.50% · 4.625%
HK$85,754
+HK$4,919/mo
Deposit HK$16.68M · loan HK$16.68M · min. income ≈ HK$161,670/mo (50% DSR)
Upfront cash ≈ HK$18.10M (deposit + AVD stamp duty HK$1,417,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,622
−HK$4,572/mo
▼ 0.25% · 3.875%
HK$86,891
−HK$2,303/mo
Today · 4.125%
HK$89,194
baseline
▲ 0.50% · 4.625%
HK$93,895
+HK$4,701/mo
Deposit HK$16.68M · loan HK$16.68M · min. income ≈ HK$178,388/mo (50% DSR)
Upfront cash ≈ HK$18.10M (deposit + AVD stamp duty HK$1,417,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,278
−HK$5,724/mo
▼ 0.25% · 3.875%
HK$94,117
−HK$2,885/mo
Today · 4.125%
HK$97,002
baseline
▲ 0.50% · 4.625%
HK$102,905
+HK$5,903/mo
Deposit HK$13.34M · loan HK$20.01M · min. income ≈ HK$194,004/mo (50% DSR)
Upfront cash ≈ HK$14.76M (deposit + AVD stamp duty HK$1,417,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,546
−HK$5,486/mo
▼ 0.25% · 3.875%
HK$104,270
−HK$2,762/mo
Today · 4.125%
HK$107,032
baseline
▲ 0.50% · 4.625%
HK$112,674
+HK$5,642/mo
Deposit HK$13.34M · loan HK$20.01M · min. income ≈ HK$214,064/mo (50% DSR)
Upfront cash ≈ HK$14.76M (deposit + AVD stamp duty HK$1,417,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,491
−HK$6,678/mo
▼ 0.25% · 3.875%
HK$109,804
−HK$3,365/mo
Today · 4.125%
HK$113,169
baseline
▲ 0.50% · 4.625%
HK$120,055
+HK$6,886/mo
Deposit HK$10.01M · loan HK$23.35M · min. income ≈ HK$226,338/mo (50% DSR)
Upfront cash ≈ HK$11.43M (deposit + AVD stamp duty HK$1,417,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,470
−HK$6,401/mo
▼ 0.25% · 3.875%
HK$121,648
−HK$3,223/mo
Today · 4.125%
HK$124,871
baseline
▲ 0.50% · 4.625%
HK$131,453
+HK$6,582/mo
Deposit HK$10.01M · loan HK$23.35M · min. income ≈ HK$249,742/mo (50% DSR)
Upfront cash ≈ HK$11.43M (deposit + AVD stamp duty HK$1,417,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,917
−HK$8,586/mo
▼ 0.25% · 3.875%
HK$141,176
−HK$4,327/mo
Today · 4.125%
HK$145,503
baseline
▲ 0.50% · 4.625%
HK$154,357
+HK$8,854/mo
Deposit HK$3.34M · loan HK$30.02M · min. income ≈ HK$291,006/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$1,417,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,319
−HK$8,229/mo
▼ 0.25% · 3.875%
HK$156,404
−HK$4,144/mo
Today · 4.125%
HK$160,548
baseline
▲ 0.50% · 4.625%
HK$169,011
+HK$8,463/mo
Deposit HK$3.34M · loan HK$30.02M · min. income ≈ HK$321,096/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$1,417,723 · Scale 2, in force from 26 Feb 2026)