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$76,127
−HK$4,774/mo
▼ 0.25% · 3.875%
HK$78,495
−HK$2,406/mo
Today · 4.125%
HK$80,901
baseline
▲ 0.50% · 4.625%
HK$85,823
+HK$4,922/mo
Deposit HK$16.69M · loan HK$16.69M · min. income ≈ HK$161,802/mo (50% DSR)
Upfront cash ≈ HK$18.11M (deposit + AVD stamp duty HK$1,418,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,690
−HK$4,576/mo
▼ 0.25% · 3.875%
HK$86,962
−HK$2,304/mo
Today · 4.125%
HK$89,266
baseline
▲ 0.50% · 4.625%
HK$93,971
+HK$4,705/mo
Deposit HK$16.69M · loan HK$16.69M · min. income ≈ HK$178,532/mo (50% DSR)
Upfront cash ≈ HK$18.11M (deposit + AVD stamp duty HK$1,418,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,352
−HK$5,729/mo
▼ 0.25% · 3.875%
HK$94,194
−HK$2,887/mo
Today · 4.125%
HK$97,081
baseline
▲ 0.50% · 4.625%
HK$102,988
+HK$5,907/mo
Deposit HK$13.35M · loan HK$20.03M · min. income ≈ HK$194,162/mo (50% DSR)
Upfront cash ≈ HK$14.77M (deposit + AVD stamp duty HK$1,418,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,628
−HK$5,491/mo
▼ 0.25% · 3.875%
HK$104,354
−HK$2,765/mo
Today · 4.125%
HK$107,119
baseline
▲ 0.50% · 4.625%
HK$112,766
+HK$5,647/mo
Deposit HK$13.35M · loan HK$20.03M · min. income ≈ HK$214,238/mo (50% DSR)
Upfront cash ≈ HK$14.77M (deposit + AVD stamp duty HK$1,418,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,578
−HK$6,683/mo
▼ 0.25% · 3.875%
HK$109,893
−HK$3,368/mo
Today · 4.125%
HK$113,261
baseline
▲ 0.50% · 4.625%
HK$120,153
+HK$6,892/mo
Deposit HK$10.02M · loan HK$23.37M · min. income ≈ HK$226,522/mo (50% DSR)
Upfront cash ≈ HK$11.43M (deposit + AVD stamp duty HK$1,418,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,567
−HK$6,405/mo
▼ 0.25% · 3.875%
HK$121,746
−HK$3,226/mo
Today · 4.125%
HK$124,972
baseline
▲ 0.50% · 4.625%
HK$131,560
+HK$6,588/mo
Deposit HK$10.02M · loan HK$23.37M · min. income ≈ HK$249,944/mo (50% DSR)
Upfront cash ≈ HK$11.43M (deposit + AVD stamp duty HK$1,418,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,028
−HK$8,593/mo
▼ 0.25% · 3.875%
HK$141,291
−HK$4,330/mo
Today · 4.125%
HK$145,621
baseline
▲ 0.50% · 4.625%
HK$154,482
+HK$8,861/mo
Deposit HK$3.34M · loan HK$30.05M · min. income ≈ HK$291,242/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$1,418,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,443
−HK$8,236/mo
▼ 0.25% · 3.875%
HK$156,531
−HK$4,148/mo
Today · 4.125%
HK$160,679
baseline
▲ 0.50% · 4.625%
HK$169,148
+HK$8,469/mo
Deposit HK$3.34M · loan HK$30.05M · min. income ≈ HK$321,358/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$1,418,873 · Scale 2, in force from 26 Feb 2026)