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$75,259
−HK$4,719/mo
▼ 0.25% · 3.875%
HK$77,600
−HK$2,378/mo
Today · 4.125%
HK$79,978
baseline
▲ 0.50% · 4.625%
HK$84,845
+HK$4,867/mo
Deposit HK$16.50M · loan HK$16.50M · min. income ≈ HK$159,956/mo (50% DSR)
Upfront cash ≈ HK$17.91M (deposit + AVD stamp duty HK$1,402,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,725
−HK$4,523/mo
▼ 0.25% · 3.875%
HK$85,970
−HK$2,278/mo
Today · 4.125%
HK$88,248
baseline
▲ 0.50% · 4.625%
HK$92,900
+HK$4,652/mo
Deposit HK$16.50M · loan HK$16.50M · min. income ≈ HK$176,496/mo (50% DSR)
Upfront cash ≈ HK$17.91M (deposit + AVD stamp duty HK$1,402,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,311
−HK$5,663/mo
▼ 0.25% · 3.875%
HK$93,120
−HK$2,854/mo
Today · 4.125%
HK$95,974
baseline
▲ 0.50% · 4.625%
HK$101,814
+HK$5,840/mo
Deposit HK$13.20M · loan HK$19.80M · min. income ≈ HK$191,948/mo (50% DSR)
Upfront cash ≈ HK$14.60M (deposit + AVD stamp duty HK$1,402,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,470
−HK$5,428/mo
▼ 0.25% · 3.875%
HK$103,164
−HK$2,734/mo
Today · 4.125%
HK$105,898
baseline
▲ 0.50% · 4.625%
HK$111,480
+HK$5,582/mo
Deposit HK$13.20M · loan HK$19.80M · min. income ≈ HK$211,796/mo (50% DSR)
Upfront cash ≈ HK$14.60M (deposit + AVD stamp duty HK$1,402,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,363
−HK$6,607/mo
▼ 0.25% · 3.875%
HK$108,640
−HK$3,330/mo
Today · 4.125%
HK$111,970
baseline
▲ 0.50% · 4.625%
HK$118,783
+HK$6,813/mo
Deposit HK$9.90M · loan HK$23.10M · min. income ≈ HK$223,940/mo (50% DSR)
Upfront cash ≈ HK$11.30M (deposit + AVD stamp duty HK$1,402,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,215
−HK$6,333/mo
▼ 0.25% · 3.875%
HK$120,358
−HK$3,190/mo
Today · 4.125%
HK$123,548
baseline
▲ 0.50% · 4.625%
HK$130,060
+HK$6,512/mo
Deposit HK$9.90M · loan HK$23.10M · min. income ≈ HK$247,096/mo (50% DSR)
Upfront cash ≈ HK$11.30M (deposit + AVD stamp duty HK$1,402,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,466
−HK$8,495/mo
▼ 0.25% · 3.875%
HK$139,680
−HK$4,281/mo
Today · 4.125%
HK$143,961
baseline
▲ 0.50% · 4.625%
HK$152,721
+HK$8,760/mo
Deposit HK$3.30M · loan HK$29.70M · min. income ≈ HK$287,922/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$1,402,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,705
−HK$8,142/mo
▼ 0.25% · 3.875%
HK$154,747
−HK$4,100/mo
Today · 4.125%
HK$158,847
baseline
▲ 0.50% · 4.625%
HK$167,220
+HK$8,373/mo
Deposit HK$3.30M · loan HK$29.70M · min. income ≈ HK$317,694/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$1,402,697 · Scale 2, in force from 26 Feb 2026)