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$76,185
−HK$4,778/mo
▼ 0.25% · 3.875%
HK$78,555
−HK$2,408/mo
Today · 4.125%
HK$80,963
baseline
▲ 0.50% · 4.625%
HK$85,889
+HK$4,926/mo
Deposit HK$16.71M · loan HK$16.71M · min. income ≈ HK$161,926/mo (50% DSR)
Upfront cash ≈ HK$18.13M (deposit + AVD stamp duty HK$1,419,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,755
−HK$4,580/mo
▼ 0.25% · 3.875%
HK$87,029
−HK$2,306/mo
Today · 4.125%
HK$89,335
baseline
▲ 0.50% · 4.625%
HK$94,043
+HK$4,708/mo
Deposit HK$16.71M · loan HK$16.71M · min. income ≈ HK$178,670/mo (50% DSR)
Upfront cash ≈ HK$18.13M (deposit + AVD stamp duty HK$1,419,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,422
−HK$5,733/mo
▼ 0.25% · 3.875%
HK$94,266
−HK$2,889/mo
Today · 4.125%
HK$97,155
baseline
▲ 0.50% · 4.625%
HK$103,067
+HK$5,912/mo
Deposit HK$13.36M · loan HK$20.05M · min. income ≈ HK$194,310/mo (50% DSR)
Upfront cash ≈ HK$14.78M (deposit + AVD stamp duty HK$1,419,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,707
−HK$5,494/mo
▼ 0.25% · 3.875%
HK$104,434
−HK$2,767/mo
Today · 4.125%
HK$107,201
baseline
▲ 0.50% · 4.625%
HK$112,852
+HK$5,651/mo
Deposit HK$13.36M · loan HK$20.05M · min. income ≈ HK$214,402/mo (50% DSR)
Upfront cash ≈ HK$14.78M (deposit + AVD stamp duty HK$1,419,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,660
−HK$6,688/mo
▼ 0.25% · 3.875%
HK$109,977
−HK$3,371/mo
Today · 4.125%
HK$113,348
baseline
▲ 0.50% · 4.625%
HK$120,245
+HK$6,897/mo
Deposit HK$10.02M · loan HK$23.39M · min. income ≈ HK$226,696/mo (50% DSR)
Upfront cash ≈ HK$11.44M (deposit + AVD stamp duty HK$1,419,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,658
−HK$6,410/mo
▼ 0.25% · 3.875%
HK$121,840
−HK$3,228/mo
Today · 4.125%
HK$125,068
baseline
▲ 0.50% · 4.625%
HK$131,661
+HK$6,593/mo
Deposit HK$10.02M · loan HK$23.39M · min. income ≈ HK$250,136/mo (50% DSR)
Upfront cash ≈ HK$11.44M (deposit + AVD stamp duty HK$1,419,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,134
−HK$8,599/mo
▼ 0.25% · 3.875%
HK$141,399
−HK$4,334/mo
Today · 4.125%
HK$145,733
baseline
▲ 0.50% · 4.625%
HK$154,601
+HK$8,868/mo
Deposit HK$3.34M · loan HK$30.07M · min. income ≈ HK$291,466/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$1,419,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,560
−HK$8,242/mo
▼ 0.25% · 3.875%
HK$156,651
−HK$4,151/mo
Today · 4.125%
HK$160,802
baseline
▲ 0.50% · 4.625%
HK$169,278
+HK$8,476/mo
Deposit HK$3.34M · loan HK$30.07M · min. income ≈ HK$321,604/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$1,419,963 · Scale 2, in force from 26 Feb 2026)