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$75,239
−HK$4,718/mo
▼ 0.25% · 3.875%
HK$77,579
−HK$2,378/mo
Today · 4.125%
HK$79,957
baseline
▲ 0.50% · 4.625%
HK$84,822
+HK$4,865/mo
Deposit HK$16.50M · loan HK$16.50M · min. income ≈ HK$159,914/mo (50% DSR)
Upfront cash ≈ HK$17.90M (deposit + AVD stamp duty HK$1,402,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,702
−HK$4,522/mo
▼ 0.25% · 3.875%
HK$85,947
−HK$2,277/mo
Today · 4.125%
HK$88,224
baseline
▲ 0.50% · 4.625%
HK$92,875
+HK$4,651/mo
Deposit HK$16.50M · loan HK$16.50M · min. income ≈ HK$176,448/mo (50% DSR)
Upfront cash ≈ HK$17.90M (deposit + AVD stamp duty HK$1,402,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,286
−HK$5,662/mo
▼ 0.25% · 3.875%
HK$93,095
−HK$2,853/mo
Today · 4.125%
HK$95,948
baseline
▲ 0.50% · 4.625%
HK$101,786
+HK$5,838/mo
Deposit HK$13.20M · loan HK$19.80M · min. income ≈ HK$191,896/mo (50% DSR)
Upfront cash ≈ HK$14.60M (deposit + AVD stamp duty HK$1,402,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,443
−HK$5,426/mo
▼ 0.25% · 3.875%
HK$103,136
−HK$2,733/mo
Today · 4.125%
HK$105,869
baseline
▲ 0.50% · 4.625%
HK$111,450
+HK$5,581/mo
Deposit HK$13.20M · loan HK$19.80M · min. income ≈ HK$211,738/mo (50% DSR)
Upfront cash ≈ HK$14.60M (deposit + AVD stamp duty HK$1,402,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,334
−HK$6,605/mo
▼ 0.25% · 3.875%
HK$108,611
−HK$3,328/mo
Today · 4.125%
HK$111,939
baseline
▲ 0.50% · 4.625%
HK$118,751
+HK$6,812/mo
Deposit HK$9.90M · loan HK$23.10M · min. income ≈ HK$223,878/mo (50% DSR)
Upfront cash ≈ HK$11.30M (deposit + AVD stamp duty HK$1,402,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,183
−HK$6,331/mo
▼ 0.25% · 3.875%
HK$120,326
−HK$3,188/mo
Today · 4.125%
HK$123,514
baseline
▲ 0.50% · 4.625%
HK$130,025
+HK$6,511/mo
Deposit HK$9.90M · loan HK$23.10M · min. income ≈ HK$247,028/mo (50% DSR)
Upfront cash ≈ HK$11.30M (deposit + AVD stamp duty HK$1,402,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,430
−HK$8,492/mo
▼ 0.25% · 3.875%
HK$139,642
−HK$4,280/mo
Today · 4.125%
HK$143,922
baseline
▲ 0.50% · 4.625%
HK$152,679
+HK$8,757/mo
Deposit HK$3.30M · loan HK$29.70M · min. income ≈ HK$287,844/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$1,402,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,664
−HK$8,140/mo
▼ 0.25% · 3.875%
HK$154,705
−HK$4,099/mo
Today · 4.125%
HK$158,804
baseline
▲ 0.50% · 4.625%
HK$167,175
+HK$8,371/mo
Deposit HK$3.30M · loan HK$29.70M · min. income ≈ HK$317,608/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$1,402,317 · Scale 2, in force from 26 Feb 2026)