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$76,011
−HK$4,766/mo
▼ 0.25% · 3.875%
HK$78,375
−HK$2,402/mo
Today · 4.125%
HK$80,777
baseline
▲ 0.50% · 4.625%
HK$85,692
+HK$4,915/mo
Deposit HK$16.67M · loan HK$16.67M · min. income ≈ HK$161,554/mo (50% DSR)
Upfront cash ≈ HK$18.08M (deposit + AVD stamp duty HK$1,416,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,561
−HK$4,569/mo
▼ 0.25% · 3.875%
HK$86,829
−HK$2,301/mo
Today · 4.125%
HK$89,130
baseline
▲ 0.50% · 4.625%
HK$93,828
+HK$4,698/mo
Deposit HK$16.67M · loan HK$16.67M · min. income ≈ HK$178,260/mo (50% DSR)
Upfront cash ≈ HK$18.08M (deposit + AVD stamp duty HK$1,416,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,213
−HK$5,720/mo
▼ 0.25% · 3.875%
HK$94,050
−HK$2,883/mo
Today · 4.125%
HK$96,933
baseline
▲ 0.50% · 4.625%
HK$102,831
+HK$5,898/mo
Deposit HK$13.33M · loan HK$20.00M · min. income ≈ HK$193,866/mo (50% DSR)
Upfront cash ≈ HK$14.75M (deposit + AVD stamp duty HK$1,416,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,474
−HK$5,482/mo
▼ 0.25% · 3.875%
HK$104,195
−HK$2,761/mo
Today · 4.125%
HK$106,956
baseline
▲ 0.50% · 4.625%
HK$112,594
+HK$5,638/mo
Deposit HK$13.33M · loan HK$20.00M · min. income ≈ HK$213,912/mo (50% DSR)
Upfront cash ≈ HK$14.75M (deposit + AVD stamp duty HK$1,416,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,415
−HK$6,673/mo
▼ 0.25% · 3.875%
HK$109,725
−HK$3,363/mo
Today · 4.125%
HK$113,088
baseline
▲ 0.50% · 4.625%
HK$119,969
+HK$6,881/mo
Deposit HK$10.00M · loan HK$23.33M · min. income ≈ HK$226,176/mo (50% DSR)
Upfront cash ≈ HK$11.42M (deposit + AVD stamp duty HK$1,416,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,386
−HK$6,396/mo
▼ 0.25% · 3.875%
HK$121,561
−HK$3,221/mo
Today · 4.125%
HK$124,782
baseline
▲ 0.50% · 4.625%
HK$131,359
+HK$6,577/mo
Deposit HK$10.00M · loan HK$23.33M · min. income ≈ HK$249,564/mo (50% DSR)
Upfront cash ≈ HK$11.42M (deposit + AVD stamp duty HK$1,416,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,819
−HK$8,580/mo
▼ 0.25% · 3.875%
HK$141,075
−HK$4,324/mo
Today · 4.125%
HK$145,399
baseline
▲ 0.50% · 4.625%
HK$154,246
+HK$8,847/mo
Deposit HK$3.33M · loan HK$30.00M · min. income ≈ HK$290,798/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$1,416,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,210
−HK$8,224/mo
▼ 0.25% · 3.875%
HK$156,293
−HK$4,141/mo
Today · 4.125%
HK$160,434
baseline
▲ 0.50% · 4.625%
HK$168,890
+HK$8,456/mo
Deposit HK$3.33M · loan HK$30.00M · min. income ≈ HK$320,868/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$1,416,710 · Scale 2, in force from 26 Feb 2026)