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$76,072
−HK$4,770/mo
▼ 0.25% · 3.875%
HK$78,438
−HK$2,404/mo
Today · 4.125%
HK$80,842
baseline
▲ 0.50% · 4.625%
HK$85,761
+HK$4,919/mo
Deposit HK$16.68M · loan HK$16.68M · min. income ≈ HK$161,684/mo (50% DSR)
Upfront cash ≈ HK$18.10M (deposit + AVD stamp duty HK$1,417,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,629
−HK$4,572/mo
▼ 0.25% · 3.875%
HK$86,899
−HK$2,302/mo
Today · 4.125%
HK$89,201
baseline
▲ 0.50% · 4.625%
HK$93,903
+HK$4,702/mo
Deposit HK$16.68M · loan HK$16.68M · min. income ≈ HK$178,402/mo (50% DSR)
Upfront cash ≈ HK$18.10M (deposit + AVD stamp duty HK$1,417,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,286
−HK$5,724/mo
▼ 0.25% · 3.875%
HK$94,125
−HK$2,885/mo
Today · 4.125%
HK$97,010
baseline
▲ 0.50% · 4.625%
HK$102,913
+HK$5,903/mo
Deposit HK$13.34M · loan HK$20.02M · min. income ≈ HK$194,020/mo (50% DSR)
Upfront cash ≈ HK$14.76M (deposit + AVD stamp duty HK$1,417,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,555
−HK$5,486/mo
▼ 0.25% · 3.875%
HK$104,278
−HK$2,763/mo
Today · 4.125%
HK$107,041
baseline
▲ 0.50% · 4.625%
HK$112,684
+HK$5,643/mo
Deposit HK$13.34M · loan HK$20.02M · min. income ≈ HK$214,082/mo (50% DSR)
Upfront cash ≈ HK$14.76M (deposit + AVD stamp duty HK$1,417,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,500
−HK$6,679/mo
▼ 0.25% · 3.875%
HK$109,813
−HK$3,366/mo
Today · 4.125%
HK$113,179
baseline
▲ 0.50% · 4.625%
HK$120,065
+HK$6,886/mo
Deposit HK$10.01M · loan HK$23.35M · min. income ≈ HK$226,358/mo (50% DSR)
Upfront cash ≈ HK$11.43M (deposit + AVD stamp duty HK$1,417,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,480
−HK$6,402/mo
▼ 0.25% · 3.875%
HK$121,658
−HK$3,224/mo
Today · 4.125%
HK$124,882
baseline
▲ 0.50% · 4.625%
HK$131,464
+HK$6,582/mo
Deposit HK$10.01M · loan HK$23.35M · min. income ≈ HK$249,764/mo (50% DSR)
Upfront cash ≈ HK$11.43M (deposit + AVD stamp duty HK$1,417,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,929
−HK$8,586/mo
▼ 0.25% · 3.875%
HK$141,188
−HK$4,327/mo
Today · 4.125%
HK$145,515
baseline
▲ 0.50% · 4.625%
HK$154,370
+HK$8,855/mo
Deposit HK$3.34M · loan HK$30.02M · min. income ≈ HK$291,030/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$1,417,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,332
−HK$8,230/mo
▼ 0.25% · 3.875%
HK$156,417
−HK$4,145/mo
Today · 4.125%
HK$160,562
baseline
▲ 0.50% · 4.625%
HK$169,025
+HK$8,463/mo
Deposit HK$3.34M · loan HK$30.02M · min. income ≈ HK$321,124/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$1,417,842 · Scale 2, in force from 26 Feb 2026)