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$76,133
−HK$4,774/mo
▼ 0.25% · 3.875%
HK$78,501
−HK$2,406/mo
Today · 4.125%
HK$80,907
baseline
▲ 0.50% · 4.625%
HK$85,830
+HK$4,923/mo
Deposit HK$16.69M · loan HK$16.69M · min. income ≈ HK$161,814/mo (50% DSR)
Upfront cash ≈ HK$18.11M (deposit + AVD stamp duty HK$1,418,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,697
−HK$4,576/mo
▼ 0.25% · 3.875%
HK$86,969
−HK$2,304/mo
Today · 4.125%
HK$89,273
baseline
▲ 0.50% · 4.625%
HK$93,979
+HK$4,706/mo
Deposit HK$16.69M · loan HK$16.69M · min. income ≈ HK$178,546/mo (50% DSR)
Upfront cash ≈ HK$18.11M (deposit + AVD stamp duty HK$1,418,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,360
−HK$5,729/mo
▼ 0.25% · 3.875%
HK$94,202
−HK$2,887/mo
Today · 4.125%
HK$97,089
baseline
▲ 0.50% · 4.625%
HK$102,996
+HK$5,907/mo
Deposit HK$13.36M · loan HK$20.03M · min. income ≈ HK$194,178/mo (50% DSR)
Upfront cash ≈ HK$14.77M (deposit + AVD stamp duty HK$1,418,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,637
−HK$5,491/mo
▼ 0.25% · 3.875%
HK$104,363
−HK$2,765/mo
Today · 4.125%
HK$107,128
baseline
▲ 0.50% · 4.625%
HK$112,775
+HK$5,647/mo
Deposit HK$13.36M · loan HK$20.03M · min. income ≈ HK$214,256/mo (50% DSR)
Upfront cash ≈ HK$14.77M (deposit + AVD stamp duty HK$1,418,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,586
−HK$6,684/mo
▼ 0.25% · 3.875%
HK$109,902
−HK$3,368/mo
Today · 4.125%
HK$113,270
baseline
▲ 0.50% · 4.625%
HK$120,162
+HK$6,892/mo
Deposit HK$10.02M · loan HK$23.37M · min. income ≈ HK$226,540/mo (50% DSR)
Upfront cash ≈ HK$11.44M (deposit + AVD stamp duty HK$1,418,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,576
−HK$6,407/mo
▼ 0.25% · 3.875%
HK$121,756
−HK$3,227/mo
Today · 4.125%
HK$124,983
baseline
▲ 0.50% · 4.625%
HK$131,571
+HK$6,588/mo
Deposit HK$10.02M · loan HK$23.37M · min. income ≈ HK$249,966/mo (50% DSR)
Upfront cash ≈ HK$11.44M (deposit + AVD stamp duty HK$1,418,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,040
−HK$8,593/mo
▼ 0.25% · 3.875%
HK$141,302
−HK$4,331/mo
Today · 4.125%
HK$145,633
baseline
▲ 0.50% · 4.625%
HK$154,495
+HK$8,862/mo
Deposit HK$3.34M · loan HK$30.05M · min. income ≈ HK$291,266/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$1,418,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,455
−HK$8,237/mo
▼ 0.25% · 3.875%
HK$156,544
−HK$4,148/mo
Today · 4.125%
HK$160,692
baseline
▲ 0.50% · 4.625%
HK$169,162
+HK$8,470/mo
Deposit HK$3.34M · loan HK$30.05M · min. income ≈ HK$321,384/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$1,418,989 · Scale 2, in force from 26 Feb 2026)