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$76,090
−HK$4,772/mo
▼ 0.25% · 3.875%
HK$78,457
−HK$2,405/mo
Today · 4.125%
HK$80,862
baseline
▲ 0.50% · 4.625%
HK$85,782
+HK$4,920/mo
Deposit HK$16.68M · loan HK$16.68M · min. income ≈ HK$161,724/mo (50% DSR)
Upfront cash ≈ HK$18.10M (deposit + AVD stamp duty HK$1,418,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,650
−HK$4,573/mo
▼ 0.25% · 3.875%
HK$86,920
−HK$2,303/mo
Today · 4.125%
HK$89,223
baseline
▲ 0.50% · 4.625%
HK$93,926
+HK$4,703/mo
Deposit HK$16.68M · loan HK$16.68M · min. income ≈ HK$178,446/mo (50% DSR)
Upfront cash ≈ HK$18.10M (deposit + AVD stamp duty HK$1,418,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,309
−HK$5,725/mo
▼ 0.25% · 3.875%
HK$94,149
−HK$2,885/mo
Today · 4.125%
HK$97,034
baseline
▲ 0.50% · 4.625%
HK$102,939
+HK$5,905/mo
Deposit HK$13.35M · loan HK$20.02M · min. income ≈ HK$194,068/mo (50% DSR)
Upfront cash ≈ HK$14.77M (deposit + AVD stamp duty HK$1,418,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,580
−HK$5,488/mo
▼ 0.25% · 3.875%
HK$104,304
−HK$2,764/mo
Today · 4.125%
HK$107,068
baseline
▲ 0.50% · 4.625%
HK$112,712
+HK$5,644/mo
Deposit HK$13.35M · loan HK$20.02M · min. income ≈ HK$214,136/mo (50% DSR)
Upfront cash ≈ HK$14.77M (deposit + AVD stamp duty HK$1,418,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,527
−HK$6,680/mo
▼ 0.25% · 3.875%
HK$109,840
−HK$3,367/mo
Today · 4.125%
HK$113,207
baseline
▲ 0.50% · 4.625%
HK$120,095
+HK$6,888/mo
Deposit HK$10.01M · loan HK$23.36M · min. income ≈ HK$226,414/mo (50% DSR)
Upfront cash ≈ HK$11.43M (deposit + AVD stamp duty HK$1,418,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,510
−HK$6,403/mo
▼ 0.25% · 3.875%
HK$121,688
−HK$3,225/mo
Today · 4.125%
HK$124,913
baseline
▲ 0.50% · 4.625%
HK$131,497
+HK$6,584/mo
Deposit HK$10.01M · loan HK$23.36M · min. income ≈ HK$249,826/mo (50% DSR)
Upfront cash ≈ HK$11.43M (deposit + AVD stamp duty HK$1,418,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,963
−HK$8,589/mo
▼ 0.25% · 3.875%
HK$141,223
−HK$4,329/mo
Today · 4.125%
HK$145,552
baseline
▲ 0.50% · 4.625%
HK$154,408
+HK$8,856/mo
Deposit HK$3.34M · loan HK$30.03M · min. income ≈ HK$291,104/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$1,418,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,370
−HK$8,232/mo
▼ 0.25% · 3.875%
HK$156,456
−HK$4,146/mo
Today · 4.125%
HK$160,602
baseline
▲ 0.50% · 4.625%
HK$169,067
+HK$8,465/mo
Deposit HK$3.34M · loan HK$30.03M · min. income ≈ HK$321,204/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$1,418,193 · Scale 2, in force from 26 Feb 2026)