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$76,398
−HK$4,790/mo
▼ 0.25% · 3.875%
HK$78,774
−HK$2,414/mo
Today · 4.125%
HK$81,188
baseline
▲ 0.50% · 4.625%
HK$86,128
+HK$4,940/mo
Deposit HK$16.75M · loan HK$16.75M · min. income ≈ HK$162,376/mo (50% DSR)
Upfront cash ≈ HK$18.18M (deposit + AVD stamp duty HK$1,423,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,991
−HK$4,592/mo
▼ 0.25% · 3.875%
HK$87,271
−HK$2,312/mo
Today · 4.125%
HK$89,583
baseline
▲ 0.50% · 4.625%
HK$94,305
+HK$4,722/mo
Deposit HK$16.75M · loan HK$16.75M · min. income ≈ HK$179,166/mo (50% DSR)
Upfront cash ≈ HK$18.18M (deposit + AVD stamp duty HK$1,423,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,677
−HK$5,749/mo
▼ 0.25% · 3.875%
HK$94,529
−HK$2,897/mo
Today · 4.125%
HK$97,426
baseline
▲ 0.50% · 4.625%
HK$103,354
+HK$5,928/mo
Deposit HK$13.40M · loan HK$20.10M · min. income ≈ HK$194,852/mo (50% DSR)
Upfront cash ≈ HK$14.83M (deposit + AVD stamp duty HK$1,423,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,990
−HK$5,510/mo
▼ 0.25% · 3.875%
HK$104,725
−HK$2,775/mo
Today · 4.125%
HK$107,500
baseline
▲ 0.50% · 4.625%
HK$113,166
+HK$5,666/mo
Deposit HK$13.40M · loan HK$20.10M · min. income ≈ HK$215,000/mo (50% DSR)
Upfront cash ≈ HK$14.83M (deposit + AVD stamp duty HK$1,423,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,957
−HK$6,707/mo
▼ 0.25% · 3.875%
HK$110,284
−HK$3,380/mo
Today · 4.125%
HK$113,664
baseline
▲ 0.50% · 4.625%
HK$120,580
+HK$6,916/mo
Deposit HK$10.05M · loan HK$23.45M · min. income ≈ HK$227,328/mo (50% DSR)
Upfront cash ≈ HK$11.48M (deposit + AVD stamp duty HK$1,423,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,988
−HK$6,429/mo
▼ 0.25% · 3.875%
HK$122,179
−HK$3,238/mo
Today · 4.125%
HK$125,417
baseline
▲ 0.50% · 4.625%
HK$132,028
+HK$6,611/mo
Deposit HK$10.05M · loan HK$23.45M · min. income ≈ HK$250,834/mo (50% DSR)
Upfront cash ≈ HK$11.48M (deposit + AVD stamp duty HK$1,423,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,516
−HK$8,623/mo
▼ 0.25% · 3.875%
HK$141,793
−HK$4,346/mo
Today · 4.125%
HK$146,139
baseline
▲ 0.50% · 4.625%
HK$155,031
+HK$8,892/mo
Deposit HK$3.35M · loan HK$30.15M · min. income ≈ HK$292,278/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$1,423,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,985
−HK$8,265/mo
▼ 0.25% · 3.875%
HK$157,088
−HK$4,162/mo
Today · 4.125%
HK$161,250
baseline
▲ 0.50% · 4.625%
HK$169,750
+HK$8,500/mo
Deposit HK$3.35M · loan HK$30.15M · min. income ≈ HK$322,500/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$1,423,917 · Scale 2, in force from 26 Feb 2026)