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$76,095
−HK$4,772/mo
▼ 0.25% · 3.875%
HK$78,462
−HK$2,405/mo
Today · 4.125%
HK$80,867
baseline
▲ 0.50% · 4.625%
HK$85,787
+HK$4,920/mo
Deposit HK$16.69M · loan HK$16.69M · min. income ≈ HK$161,734/mo (50% DSR)
Upfront cash ≈ HK$18.10M (deposit + AVD stamp duty HK$1,418,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,655
−HK$4,574/mo
▼ 0.25% · 3.875%
HK$86,925
−HK$2,304/mo
Today · 4.125%
HK$89,229
baseline
▲ 0.50% · 4.625%
HK$93,932
+HK$4,703/mo
Deposit HK$16.69M · loan HK$16.69M · min. income ≈ HK$178,458/mo (50% DSR)
Upfront cash ≈ HK$18.10M (deposit + AVD stamp duty HK$1,418,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,314
−HK$5,726/mo
▼ 0.25% · 3.875%
HK$94,155
−HK$2,885/mo
Today · 4.125%
HK$97,040
baseline
▲ 0.50% · 4.625%
HK$102,945
+HK$5,905/mo
Deposit HK$13.35M · loan HK$20.02M · min. income ≈ HK$194,080/mo (50% DSR)
Upfront cash ≈ HK$14.77M (deposit + AVD stamp duty HK$1,418,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,586
−HK$5,488/mo
▼ 0.25% · 3.875%
HK$104,311
−HK$2,763/mo
Today · 4.125%
HK$107,074
baseline
▲ 0.50% · 4.625%
HK$112,718
+HK$5,644/mo
Deposit HK$13.35M · loan HK$20.02M · min. income ≈ HK$214,148/mo (50% DSR)
Upfront cash ≈ HK$14.77M (deposit + AVD stamp duty HK$1,418,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,533
−HK$6,681/mo
▼ 0.25% · 3.875%
HK$109,847
−HK$3,367/mo
Today · 4.125%
HK$113,214
baseline
▲ 0.50% · 4.625%
HK$120,102
+HK$6,888/mo
Deposit HK$10.01M · loan HK$23.36M · min. income ≈ HK$226,428/mo (50% DSR)
Upfront cash ≈ HK$11.43M (deposit + AVD stamp duty HK$1,418,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,517
−HK$6,403/mo
▼ 0.25% · 3.875%
HK$121,696
−HK$3,224/mo
Today · 4.125%
HK$124,920
baseline
▲ 0.50% · 4.625%
HK$131,505
+HK$6,585/mo
Deposit HK$10.01M · loan HK$23.36M · min. income ≈ HK$249,840/mo (50% DSR)
Upfront cash ≈ HK$11.43M (deposit + AVD stamp duty HK$1,418,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,971
−HK$8,589/mo
▼ 0.25% · 3.875%
HK$141,232
−HK$4,328/mo
Today · 4.125%
HK$145,560
baseline
▲ 0.50% · 4.625%
HK$154,417
+HK$8,857/mo
Deposit HK$3.34M · loan HK$30.03M · min. income ≈ HK$291,120/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$1,418,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,379
−HK$8,233/mo
▼ 0.25% · 3.875%
HK$156,466
−HK$4,146/mo
Today · 4.125%
HK$160,612
baseline
▲ 0.50% · 4.625%
HK$169,078
+HK$8,466/mo
Deposit HK$3.34M · loan HK$30.03M · min. income ≈ HK$321,224/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$1,418,280 · Scale 2, in force from 26 Feb 2026)