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$76,164
−HK$4,776/mo
▼ 0.25% · 3.875%
HK$78,533
−HK$2,407/mo
Today · 4.125%
HK$80,940
baseline
▲ 0.50% · 4.625%
HK$85,865
+HK$4,925/mo
Deposit HK$16.70M · loan HK$16.70M · min. income ≈ HK$161,880/mo (50% DSR)
Upfront cash ≈ HK$18.12M (deposit + AVD stamp duty HK$1,419,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,732
−HK$4,578/mo
▼ 0.25% · 3.875%
HK$87,004
−HK$2,306/mo
Today · 4.125%
HK$89,310
baseline
▲ 0.50% · 4.625%
HK$94,017
+HK$4,707/mo
Deposit HK$16.70M · loan HK$16.70M · min. income ≈ HK$178,620/mo (50% DSR)
Upfront cash ≈ HK$18.12M (deposit + AVD stamp duty HK$1,419,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,397
−HK$5,732/mo
▼ 0.25% · 3.875%
HK$94,240
−HK$2,889/mo
Today · 4.125%
HK$97,129
baseline
▲ 0.50% · 4.625%
HK$103,039
+HK$5,910/mo
Deposit HK$13.36M · loan HK$20.04M · min. income ≈ HK$194,258/mo (50% DSR)
Upfront cash ≈ HK$14.78M (deposit + AVD stamp duty HK$1,419,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,678
−HK$5,494/mo
▼ 0.25% · 3.875%
HK$104,405
−HK$2,767/mo
Today · 4.125%
HK$107,172
baseline
▲ 0.50% · 4.625%
HK$112,821
+HK$5,649/mo
Deposit HK$13.36M · loan HK$20.04M · min. income ≈ HK$214,344/mo (50% DSR)
Upfront cash ≈ HK$14.78M (deposit + AVD stamp duty HK$1,419,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,630
−HK$6,687/mo
▼ 0.25% · 3.875%
HK$109,947
−HK$3,370/mo
Today · 4.125%
HK$113,317
baseline
▲ 0.50% · 4.625%
HK$120,212
+HK$6,895/mo
Deposit HK$10.02M · loan HK$23.38M · min. income ≈ HK$226,634/mo (50% DSR)
Upfront cash ≈ HK$11.44M (deposit + AVD stamp duty HK$1,419,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,625
−HK$6,409/mo
▼ 0.25% · 3.875%
HK$121,806
−HK$3,228/mo
Today · 4.125%
HK$125,034
baseline
▲ 0.50% · 4.625%
HK$131,624
+HK$6,590/mo
Deposit HK$10.02M · loan HK$23.38M · min. income ≈ HK$250,068/mo (50% DSR)
Upfront cash ≈ HK$11.44M (deposit + AVD stamp duty HK$1,419,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,096
−HK$8,597/mo
▼ 0.25% · 3.875%
HK$141,360
−HK$4,333/mo
Today · 4.125%
HK$145,693
baseline
▲ 0.50% · 4.625%
HK$154,558
+HK$8,865/mo
Deposit HK$3.34M · loan HK$30.06M · min. income ≈ HK$291,386/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$1,419,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,518
−HK$8,240/mo
▼ 0.25% · 3.875%
HK$156,608
−HK$4,150/mo
Today · 4.125%
HK$160,758
baseline
▲ 0.50% · 4.625%
HK$169,231
+HK$8,473/mo
Deposit HK$3.34M · loan HK$30.06M · min. income ≈ HK$321,516/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$1,419,569 · Scale 2, in force from 26 Feb 2026)