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$76,172
−HK$4,776/mo
▼ 0.25% · 3.875%
HK$78,541
−HK$2,407/mo
Today · 4.125%
HK$80,948
baseline
▲ 0.50% · 4.625%
HK$85,874
+HK$4,926/mo
Deposit HK$16.70M · loan HK$16.70M · min. income ≈ HK$161,896/mo (50% DSR)
Upfront cash ≈ HK$18.12M (deposit + AVD stamp duty HK$1,419,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,740
−HK$4,578/mo
▼ 0.25% · 3.875%
HK$87,013
−HK$2,305/mo
Today · 4.125%
HK$89,318
baseline
▲ 0.50% · 4.625%
HK$94,026
+HK$4,708/mo
Deposit HK$16.70M · loan HK$16.70M · min. income ≈ HK$178,636/mo (50% DSR)
Upfront cash ≈ HK$18.12M (deposit + AVD stamp duty HK$1,419,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,406
−HK$5,732/mo
▼ 0.25% · 3.875%
HK$94,249
−HK$2,889/mo
Today · 4.125%
HK$97,138
baseline
▲ 0.50% · 4.625%
HK$103,048
+HK$5,910/mo
Deposit HK$13.36M · loan HK$20.04M · min. income ≈ HK$194,276/mo (50% DSR)
Upfront cash ≈ HK$14.78M (deposit + AVD stamp duty HK$1,419,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,688
−HK$5,494/mo
▼ 0.25% · 3.875%
HK$104,415
−HK$2,767/mo
Today · 4.125%
HK$107,182
baseline
▲ 0.50% · 4.625%
HK$112,832
+HK$5,650/mo
Deposit HK$13.36M · loan HK$20.04M · min. income ≈ HK$214,364/mo (50% DSR)
Upfront cash ≈ HK$14.78M (deposit + AVD stamp duty HK$1,419,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,640
−HK$6,688/mo
▼ 0.25% · 3.875%
HK$109,957
−HK$3,371/mo
Today · 4.125%
HK$113,328
baseline
▲ 0.50% · 4.625%
HK$120,223
+HK$6,895/mo
Deposit HK$10.02M · loan HK$23.38M · min. income ≈ HK$226,656/mo (50% DSR)
Upfront cash ≈ HK$11.44M (deposit + AVD stamp duty HK$1,419,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,636
−HK$6,410/mo
▼ 0.25% · 3.875%
HK$121,818
−HK$3,228/mo
Today · 4.125%
HK$125,046
baseline
▲ 0.50% · 4.625%
HK$131,637
+HK$6,591/mo
Deposit HK$10.02M · loan HK$23.38M · min. income ≈ HK$250,092/mo (50% DSR)
Upfront cash ≈ HK$11.44M (deposit + AVD stamp duty HK$1,419,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,109
−HK$8,598/mo
▼ 0.25% · 3.875%
HK$141,374
−HK$4,333/mo
Today · 4.125%
HK$145,707
baseline
▲ 0.50% · 4.625%
HK$154,573
+HK$8,866/mo
Deposit HK$3.34M · loan HK$30.06M · min. income ≈ HK$291,414/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$1,419,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,532
−HK$8,241/mo
▼ 0.25% · 3.875%
HK$156,623
−HK$4,150/mo
Today · 4.125%
HK$160,773
baseline
▲ 0.50% · 4.625%
HK$169,248
+HK$8,475/mo
Deposit HK$3.34M · loan HK$30.06M · min. income ≈ HK$321,546/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$1,419,706 · Scale 2, in force from 26 Feb 2026)