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$76,396
−HK$4,791/mo
▼ 0.25% · 3.875%
HK$78,772
−HK$2,415/mo
Today · 4.125%
HK$81,187
baseline
▲ 0.50% · 4.625%
HK$86,127
+HK$4,940/mo
Deposit HK$16.75M · loan HK$16.75M · min. income ≈ HK$162,374/mo (50% DSR)
Upfront cash ≈ HK$18.18M (deposit + AVD stamp duty HK$1,423,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,990
−HK$4,592/mo
▼ 0.25% · 3.875%
HK$87,269
−HK$2,313/mo
Today · 4.125%
HK$89,582
baseline
▲ 0.50% · 4.625%
HK$94,304
+HK$4,722/mo
Deposit HK$16.75M · loan HK$16.75M · min. income ≈ HK$179,164/mo (50% DSR)
Upfront cash ≈ HK$18.18M (deposit + AVD stamp duty HK$1,423,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,675
−HK$5,749/mo
▼ 0.25% · 3.875%
HK$94,527
−HK$2,897/mo
Today · 4.125%
HK$97,424
baseline
▲ 0.50% · 4.625%
HK$103,352
+HK$5,928/mo
Deposit HK$13.40M · loan HK$20.10M · min. income ≈ HK$194,848/mo (50% DSR)
Upfront cash ≈ HK$14.83M (deposit + AVD stamp duty HK$1,423,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,988
−HK$5,510/mo
▼ 0.25% · 3.875%
HK$104,723
−HK$2,775/mo
Today · 4.125%
HK$107,498
baseline
▲ 0.50% · 4.625%
HK$113,164
+HK$5,666/mo
Deposit HK$13.40M · loan HK$20.10M · min. income ≈ HK$214,996/mo (50% DSR)
Upfront cash ≈ HK$14.83M (deposit + AVD stamp duty HK$1,423,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,954
−HK$6,707/mo
▼ 0.25% · 3.875%
HK$110,281
−HK$3,380/mo
Today · 4.125%
HK$113,661
baseline
▲ 0.50% · 4.625%
HK$120,577
+HK$6,916/mo
Deposit HK$10.05M · loan HK$23.45M · min. income ≈ HK$227,322/mo (50% DSR)
Upfront cash ≈ HK$11.47M (deposit + AVD stamp duty HK$1,423,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,986
−HK$6,428/mo
▼ 0.25% · 3.875%
HK$122,177
−HK$3,237/mo
Today · 4.125%
HK$125,414
baseline
▲ 0.50% · 4.625%
HK$132,025
+HK$6,611/mo
Deposit HK$10.05M · loan HK$23.45M · min. income ≈ HK$250,828/mo (50% DSR)
Upfront cash ≈ HK$11.47M (deposit + AVD stamp duty HK$1,423,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,513
−HK$8,623/mo
▼ 0.25% · 3.875%
HK$141,790
−HK$4,346/mo
Today · 4.125%
HK$146,136
baseline
▲ 0.50% · 4.625%
HK$155,028
+HK$8,892/mo
Deposit HK$3.35M · loan HK$30.15M · min. income ≈ HK$292,272/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$1,423,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,982
−HK$8,265/mo
▼ 0.25% · 3.875%
HK$157,085
−HK$4,162/mo
Today · 4.125%
HK$161,247
baseline
▲ 0.50% · 4.625%
HK$169,746
+HK$8,499/mo
Deposit HK$3.35M · loan HK$30.15M · min. income ≈ HK$322,494/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$1,423,890 · Scale 2, in force from 26 Feb 2026)