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$76,135
−HK$4,774/mo
▼ 0.25% · 3.875%
HK$78,503
−HK$2,406/mo
Today · 4.125%
HK$80,909
baseline
▲ 0.50% · 4.625%
HK$85,832
+HK$4,923/mo
Deposit HK$16.69M · loan HK$16.69M · min. income ≈ HK$161,818/mo (50% DSR)
Upfront cash ≈ HK$18.11M (deposit + AVD stamp duty HK$1,419,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,699
−HK$4,576/mo
▼ 0.25% · 3.875%
HK$86,970
−HK$2,305/mo
Today · 4.125%
HK$89,275
baseline
▲ 0.50% · 4.625%
HK$93,981
+HK$4,706/mo
Deposit HK$16.69M · loan HK$16.69M · min. income ≈ HK$178,550/mo (50% DSR)
Upfront cash ≈ HK$18.11M (deposit + AVD stamp duty HK$1,419,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,361
−HK$5,730/mo
▼ 0.25% · 3.875%
HK$94,203
−HK$2,888/mo
Today · 4.125%
HK$97,091
baseline
▲ 0.50% · 4.625%
HK$102,998
+HK$5,907/mo
Deposit HK$13.36M · loan HK$20.03M · min. income ≈ HK$194,182/mo (50% DSR)
Upfront cash ≈ HK$14.77M (deposit + AVD stamp duty HK$1,419,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,639
−HK$5,491/mo
▼ 0.25% · 3.875%
HK$104,365
−HK$2,765/mo
Today · 4.125%
HK$107,130
baseline
▲ 0.50% · 4.625%
HK$112,777
+HK$5,647/mo
Deposit HK$13.36M · loan HK$20.03M · min. income ≈ HK$214,260/mo (50% DSR)
Upfront cash ≈ HK$14.77M (deposit + AVD stamp duty HK$1,419,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,588
−HK$6,684/mo
▼ 0.25% · 3.875%
HK$109,904
−HK$3,368/mo
Today · 4.125%
HK$113,272
baseline
▲ 0.50% · 4.625%
HK$120,165
+HK$6,893/mo
Deposit HK$10.02M · loan HK$23.37M · min. income ≈ HK$226,544/mo (50% DSR)
Upfront cash ≈ HK$11.44M (deposit + AVD stamp duty HK$1,419,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,578
−HK$6,407/mo
▼ 0.25% · 3.875%
HK$121,759
−HK$3,226/mo
Today · 4.125%
HK$124,985
baseline
▲ 0.50% · 4.625%
HK$131,573
+HK$6,588/mo
Deposit HK$10.02M · loan HK$23.37M · min. income ≈ HK$249,970/mo (50% DSR)
Upfront cash ≈ HK$11.44M (deposit + AVD stamp duty HK$1,419,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,042
−HK$8,594/mo
▼ 0.25% · 3.875%
HK$141,305
−HK$4,331/mo
Today · 4.125%
HK$145,636
baseline
▲ 0.50% · 4.625%
HK$154,497
+HK$8,861/mo
Deposit HK$3.34M · loan HK$30.05M · min. income ≈ HK$291,272/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$1,419,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,458
−HK$8,237/mo
▼ 0.25% · 3.875%
HK$156,547
−HK$4,148/mo
Today · 4.125%
HK$160,695
baseline
▲ 0.50% · 4.625%
HK$169,165
+HK$8,470/mo
Deposit HK$3.34M · loan HK$30.05M · min. income ≈ HK$321,390/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$1,419,015 · Scale 2, in force from 26 Feb 2026)