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$76,160
−HK$4,776/mo
▼ 0.25% · 3.875%
HK$78,529
−HK$2,407/mo
Today · 4.125%
HK$80,936
baseline
▲ 0.50% · 4.625%
HK$85,861
+HK$4,925/mo
Deposit HK$16.70M · loan HK$16.70M · min. income ≈ HK$161,872/mo (50% DSR)
Upfront cash ≈ HK$18.12M (deposit + AVD stamp duty HK$1,419,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,727
−HK$4,578/mo
▼ 0.25% · 3.875%
HK$87,000
−HK$2,305/mo
Today · 4.125%
HK$89,305
baseline
▲ 0.50% · 4.625%
HK$94,012
+HK$4,707/mo
Deposit HK$16.70M · loan HK$16.70M · min. income ≈ HK$178,610/mo (50% DSR)
Upfront cash ≈ HK$18.12M (deposit + AVD stamp duty HK$1,419,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,392
−HK$5,731/mo
▼ 0.25% · 3.875%
HK$94,235
−HK$2,888/mo
Today · 4.125%
HK$97,123
baseline
▲ 0.50% · 4.625%
HK$103,033
+HK$5,910/mo
Deposit HK$13.36M · loan HK$20.04M · min. income ≈ HK$194,246/mo (50% DSR)
Upfront cash ≈ HK$14.78M (deposit + AVD stamp duty HK$1,419,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,673
−HK$5,493/mo
▼ 0.25% · 3.875%
HK$104,399
−HK$2,767/mo
Today · 4.125%
HK$107,166
baseline
▲ 0.50% · 4.625%
HK$112,815
+HK$5,649/mo
Deposit HK$13.36M · loan HK$20.04M · min. income ≈ HK$214,332/mo (50% DSR)
Upfront cash ≈ HK$14.78M (deposit + AVD stamp duty HK$1,419,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,624
−HK$6,686/mo
▼ 0.25% · 3.875%
HK$109,941
−HK$3,369/mo
Today · 4.125%
HK$113,310
baseline
▲ 0.50% · 4.625%
HK$120,205
+HK$6,895/mo
Deposit HK$10.02M · loan HK$23.38M · min. income ≈ HK$226,620/mo (50% DSR)
Upfront cash ≈ HK$11.44M (deposit + AVD stamp duty HK$1,419,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,618
−HK$6,409/mo
▼ 0.25% · 3.875%
HK$121,799
−HK$3,228/mo
Today · 4.125%
HK$125,027
baseline
▲ 0.50% · 4.625%
HK$131,617
+HK$6,590/mo
Deposit HK$10.02M · loan HK$23.38M · min. income ≈ HK$250,054/mo (50% DSR)
Upfront cash ≈ HK$11.44M (deposit + AVD stamp duty HK$1,419,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,088
−HK$8,597/mo
▼ 0.25% · 3.875%
HK$141,352
−HK$4,333/mo
Today · 4.125%
HK$145,685
baseline
▲ 0.50% · 4.625%
HK$154,549
+HK$8,864/mo
Deposit HK$3.34M · loan HK$30.06M · min. income ≈ HK$291,370/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$1,419,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,509
−HK$8,240/mo
▼ 0.25% · 3.875%
HK$156,599
−HK$4,150/mo
Today · 4.125%
HK$160,749
baseline
▲ 0.50% · 4.625%
HK$169,222
+HK$8,473/mo
Deposit HK$3.34M · loan HK$30.06M · min. income ≈ HK$321,498/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$1,419,490 · Scale 2, in force from 26 Feb 2026)