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$76,402
−HK$4,791/mo
▼ 0.25% · 3.875%
HK$78,779
−HK$2,414/mo
Today · 4.125%
HK$81,193
baseline
▲ 0.50% · 4.625%
HK$86,134
+HK$4,941/mo
Deposit HK$16.75M · loan HK$16.75M · min. income ≈ HK$162,386/mo (50% DSR)
Upfront cash ≈ HK$18.18M (deposit + AVD stamp duty HK$1,424,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,997
−HK$4,592/mo
▼ 0.25% · 3.875%
HK$87,276
−HK$2,313/mo
Today · 4.125%
HK$89,589
baseline
▲ 0.50% · 4.625%
HK$94,311
+HK$4,722/mo
Deposit HK$16.75M · loan HK$16.75M · min. income ≈ HK$179,178/mo (50% DSR)
Upfront cash ≈ HK$18.18M (deposit + AVD stamp duty HK$1,424,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,682
−HK$5,750/mo
▼ 0.25% · 3.875%
HK$94,534
−HK$2,898/mo
Today · 4.125%
HK$97,432
baseline
▲ 0.50% · 4.625%
HK$103,360
+HK$5,928/mo
Deposit HK$13.40M · loan HK$20.10M · min. income ≈ HK$194,864/mo (50% DSR)
Upfront cash ≈ HK$14.83M (deposit + AVD stamp duty HK$1,424,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,996
−HK$5,510/mo
▼ 0.25% · 3.875%
HK$104,731
−HK$2,775/mo
Today · 4.125%
HK$107,506
baseline
▲ 0.50% · 4.625%
HK$113,173
+HK$5,667/mo
Deposit HK$13.40M · loan HK$20.10M · min. income ≈ HK$215,012/mo (50% DSR)
Upfront cash ≈ HK$14.83M (deposit + AVD stamp duty HK$1,424,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,963
−HK$6,707/mo
▼ 0.25% · 3.875%
HK$110,290
−HK$3,380/mo
Today · 4.125%
HK$113,670
baseline
▲ 0.50% · 4.625%
HK$120,587
+HK$6,917/mo
Deposit HK$10.05M · loan HK$23.45M · min. income ≈ HK$227,340/mo (50% DSR)
Upfront cash ≈ HK$11.48M (deposit + AVD stamp duty HK$1,424,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,995
−HK$6,429/mo
▼ 0.25% · 3.875%
HK$122,187
−HK$3,237/mo
Today · 4.125%
HK$125,424
baseline
▲ 0.50% · 4.625%
HK$132,035
+HK$6,611/mo
Deposit HK$10.05M · loan HK$23.45M · min. income ≈ HK$250,848/mo (50% DSR)
Upfront cash ≈ HK$11.48M (deposit + AVD stamp duty HK$1,424,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,524
−HK$8,624/mo
▼ 0.25% · 3.875%
HK$141,801
−HK$4,347/mo
Today · 4.125%
HK$146,148
baseline
▲ 0.50% · 4.625%
HK$155,040
+HK$8,892/mo
Deposit HK$3.35M · loan HK$30.16M · min. income ≈ HK$292,296/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$1,424,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,994
−HK$8,266/mo
▼ 0.25% · 3.875%
HK$157,097
−HK$4,163/mo
Today · 4.125%
HK$161,260
baseline
▲ 0.50% · 4.625%
HK$169,760
+HK$8,500/mo
Deposit HK$3.35M · loan HK$30.16M · min. income ≈ HK$322,520/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$1,424,002 · Scale 2, in force from 26 Feb 2026)