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$76,052
−HK$4,769/mo
▼ 0.25% · 3.875%
HK$78,418
−HK$2,403/mo
Today · 4.125%
HK$80,821
baseline
▲ 0.50% · 4.625%
HK$85,739
+HK$4,918/mo
Deposit HK$16.68M · loan HK$16.68M · min. income ≈ HK$161,642/mo (50% DSR)
Upfront cash ≈ HK$18.09M (deposit + AVD stamp duty HK$1,417,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,607
−HK$4,571/mo
▼ 0.25% · 3.875%
HK$86,876
−HK$2,302/mo
Today · 4.125%
HK$89,178
baseline
▲ 0.50% · 4.625%
HK$93,879
+HK$4,701/mo
Deposit HK$16.68M · loan HK$16.68M · min. income ≈ HK$178,356/mo (50% DSR)
Upfront cash ≈ HK$18.09M (deposit + AVD stamp duty HK$1,417,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,263
−HK$5,723/mo
▼ 0.25% · 3.875%
HK$94,101
−HK$2,885/mo
Today · 4.125%
HK$96,986
baseline
▲ 0.50% · 4.625%
HK$102,887
+HK$5,901/mo
Deposit HK$13.34M · loan HK$20.01M · min. income ≈ HK$193,972/mo (50% DSR)
Upfront cash ≈ HK$14.76M (deposit + AVD stamp duty HK$1,417,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,529
−HK$5,485/mo
▼ 0.25% · 3.875%
HK$104,252
−HK$2,762/mo
Today · 4.125%
HK$107,014
baseline
▲ 0.50% · 4.625%
HK$112,655
+HK$5,641/mo
Deposit HK$13.34M · loan HK$20.01M · min. income ≈ HK$214,028/mo (50% DSR)
Upfront cash ≈ HK$14.76M (deposit + AVD stamp duty HK$1,417,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,473
−HK$6,677/mo
▼ 0.25% · 3.875%
HK$109,785
−HK$3,365/mo
Today · 4.125%
HK$113,150
baseline
▲ 0.50% · 4.625%
HK$120,035
+HK$6,885/mo
Deposit HK$10.01M · loan HK$23.35M · min. income ≈ HK$226,300/mo (50% DSR)
Upfront cash ≈ HK$11.42M (deposit + AVD stamp duty HK$1,417,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,450
−HK$6,400/mo
▼ 0.25% · 3.875%
HK$121,627
−HK$3,223/mo
Today · 4.125%
HK$124,850
baseline
▲ 0.50% · 4.625%
HK$131,431
+HK$6,581/mo
Deposit HK$10.01M · loan HK$23.35M · min. income ≈ HK$249,700/mo (50% DSR)
Upfront cash ≈ HK$11.42M (deposit + AVD stamp duty HK$1,417,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,894
−HK$8,584/mo
▼ 0.25% · 3.875%
HK$141,152
−HK$4,326/mo
Today · 4.125%
HK$145,478
baseline
▲ 0.50% · 4.625%
HK$154,330
+HK$8,852/mo
Deposit HK$3.34M · loan HK$30.02M · min. income ≈ HK$290,956/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$1,417,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,293
−HK$8,228/mo
▼ 0.25% · 3.875%
HK$156,378
−HK$4,143/mo
Today · 4.125%
HK$160,521
baseline
▲ 0.50% · 4.625%
HK$168,982
+HK$8,461/mo
Deposit HK$3.34M · loan HK$30.02M · min. income ≈ HK$321,042/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$1,417,481 · Scale 2, in force from 26 Feb 2026)