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$75,238
−HK$4,718/mo
▼ 0.25% · 3.875%
HK$77,578
−HK$2,378/mo
Today · 4.125%
HK$79,956
baseline
▲ 0.50% · 4.625%
HK$84,821
+HK$4,865/mo
Deposit HK$16.50M · loan HK$16.50M · min. income ≈ HK$159,912/mo (50% DSR)
Upfront cash ≈ HK$17.90M (deposit + AVD stamp duty HK$1,402,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,702
−HK$4,522/mo
▼ 0.25% · 3.875%
HK$85,946
−HK$2,278/mo
Today · 4.125%
HK$88,224
baseline
▲ 0.50% · 4.625%
HK$92,874
+HK$4,650/mo
Deposit HK$16.50M · loan HK$16.50M · min. income ≈ HK$176,448/mo (50% DSR)
Upfront cash ≈ HK$17.90M (deposit + AVD stamp duty HK$1,402,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,286
−HK$5,661/mo
▼ 0.25% · 3.875%
HK$93,094
−HK$2,853/mo
Today · 4.125%
HK$95,947
baseline
▲ 0.50% · 4.625%
HK$101,786
+HK$5,839/mo
Deposit HK$13.20M · loan HK$19.80M · min. income ≈ HK$191,894/mo (50% DSR)
Upfront cash ≈ HK$14.60M (deposit + AVD stamp duty HK$1,402,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,442
−HK$5,426/mo
▼ 0.25% · 3.875%
HK$103,136
−HK$2,732/mo
Today · 4.125%
HK$105,868
baseline
▲ 0.50% · 4.625%
HK$111,449
+HK$5,581/mo
Deposit HK$13.20M · loan HK$19.80M · min. income ≈ HK$211,736/mo (50% DSR)
Upfront cash ≈ HK$14.60M (deposit + AVD stamp duty HK$1,402,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,333
−HK$6,606/mo
▼ 0.25% · 3.875%
HK$108,610
−HK$3,329/mo
Today · 4.125%
HK$111,939
baseline
▲ 0.50% · 4.625%
HK$118,750
+HK$6,811/mo
Deposit HK$9.90M · loan HK$23.10M · min. income ≈ HK$223,878/mo (50% DSR)
Upfront cash ≈ HK$11.30M (deposit + AVD stamp duty HK$1,402,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,182
−HK$6,331/mo
▼ 0.25% · 3.875%
HK$120,325
−HK$3,188/mo
Today · 4.125%
HK$123,513
baseline
▲ 0.50% · 4.625%
HK$130,024
+HK$6,511/mo
Deposit HK$9.90M · loan HK$23.10M · min. income ≈ HK$247,026/mo (50% DSR)
Upfront cash ≈ HK$11.30M (deposit + AVD stamp duty HK$1,402,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,428
−HK$8,493/mo
▼ 0.25% · 3.875%
HK$139,641
−HK$4,280/mo
Today · 4.125%
HK$143,921
baseline
▲ 0.50% · 4.625%
HK$152,678
+HK$8,757/mo
Deposit HK$3.30M · loan HK$29.70M · min. income ≈ HK$287,842/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$1,402,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,663
−HK$8,140/mo
▼ 0.25% · 3.875%
HK$154,704
−HK$4,099/mo
Today · 4.125%
HK$158,803
baseline
▲ 0.50% · 4.625%
HK$167,173
+HK$8,370/mo
Deposit HK$3.30M · loan HK$29.70M · min. income ≈ HK$317,606/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$1,402,306 · Scale 2, in force from 26 Feb 2026)