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$76,085
−HK$4,771/mo
▼ 0.25% · 3.875%
HK$78,452
−HK$2,404/mo
Today · 4.125%
HK$80,856
baseline
▲ 0.50% · 4.625%
HK$85,776
+HK$4,920/mo
Deposit HK$16.68M · loan HK$16.68M · min. income ≈ HK$161,712/mo (50% DSR)
Upfront cash ≈ HK$18.10M (deposit + AVD stamp duty HK$1,418,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,644
−HK$4,573/mo
▼ 0.25% · 3.875%
HK$86,914
−HK$2,303/mo
Today · 4.125%
HK$89,217
baseline
▲ 0.50% · 4.625%
HK$93,919
+HK$4,702/mo
Deposit HK$16.68M · loan HK$16.68M · min. income ≈ HK$178,434/mo (50% DSR)
Upfront cash ≈ HK$18.10M (deposit + AVD stamp duty HK$1,418,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,302
−HK$5,725/mo
▼ 0.25% · 3.875%
HK$94,142
−HK$2,885/mo
Today · 4.125%
HK$97,027
baseline
▲ 0.50% · 4.625%
HK$102,931
+HK$5,904/mo
Deposit HK$13.35M · loan HK$20.02M · min. income ≈ HK$194,054/mo (50% DSR)
Upfront cash ≈ HK$14.76M (deposit + AVD stamp duty HK$1,418,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,572
−HK$5,488/mo
▼ 0.25% · 3.875%
HK$104,297
−HK$2,763/mo
Today · 4.125%
HK$107,060
baseline
▲ 0.50% · 4.625%
HK$112,703
+HK$5,643/mo
Deposit HK$13.35M · loan HK$20.02M · min. income ≈ HK$214,120/mo (50% DSR)
Upfront cash ≈ HK$14.76M (deposit + AVD stamp duty HK$1,418,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,519
−HK$6,680/mo
▼ 0.25% · 3.875%
HK$109,832
−HK$3,367/mo
Today · 4.125%
HK$113,199
baseline
▲ 0.50% · 4.625%
HK$120,086
+HK$6,887/mo
Deposit HK$10.01M · loan HK$23.36M · min. income ≈ HK$226,398/mo (50% DSR)
Upfront cash ≈ HK$11.43M (deposit + AVD stamp duty HK$1,418,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,501
−HK$6,402/mo
▼ 0.25% · 3.875%
HK$121,679
−HK$3,224/mo
Today · 4.125%
HK$124,903
baseline
▲ 0.50% · 4.625%
HK$131,487
+HK$6,584/mo
Deposit HK$10.01M · loan HK$23.36M · min. income ≈ HK$249,806/mo (50% DSR)
Upfront cash ≈ HK$11.43M (deposit + AVD stamp duty HK$1,418,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,953
−HK$8,588/mo
▼ 0.25% · 3.875%
HK$141,213
−HK$4,328/mo
Today · 4.125%
HK$145,541
baseline
▲ 0.50% · 4.625%
HK$154,397
+HK$8,856/mo
Deposit HK$3.34M · loan HK$30.03M · min. income ≈ HK$291,082/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$1,418,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,359
−HK$8,231/mo
▼ 0.25% · 3.875%
HK$156,445
−HK$4,145/mo
Today · 4.125%
HK$160,590
baseline
▲ 0.50% · 4.625%
HK$169,055
+HK$8,465/mo
Deposit HK$3.34M · loan HK$30.03M · min. income ≈ HK$321,180/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$1,418,091 · Scale 2, in force from 26 Feb 2026)