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$76,091
−HK$4,772/mo
▼ 0.25% · 3.875%
HK$78,458
−HK$2,405/mo
Today · 4.125%
HK$80,863
baseline
▲ 0.50% · 4.625%
HK$85,783
+HK$4,920/mo
Deposit HK$16.68M · loan HK$16.68M · min. income ≈ HK$161,726/mo (50% DSR)
Upfront cash ≈ HK$18.10M (deposit + AVD stamp duty HK$1,418,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,651
−HK$4,573/mo
▼ 0.25% · 3.875%
HK$86,921
−HK$2,303/mo
Today · 4.125%
HK$89,224
baseline
▲ 0.50% · 4.625%
HK$93,927
+HK$4,703/mo
Deposit HK$16.68M · loan HK$16.68M · min. income ≈ HK$178,448/mo (50% DSR)
Upfront cash ≈ HK$18.10M (deposit + AVD stamp duty HK$1,418,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,309
−HK$5,726/mo
▼ 0.25% · 3.875%
HK$94,150
−HK$2,885/mo
Today · 4.125%
HK$97,035
baseline
▲ 0.50% · 4.625%
HK$102,940
+HK$5,905/mo
Deposit HK$13.35M · loan HK$20.02M · min. income ≈ HK$194,070/mo (50% DSR)
Upfront cash ≈ HK$14.77M (deposit + AVD stamp duty HK$1,418,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,581
−HK$5,488/mo
▼ 0.25% · 3.875%
HK$104,305
−HK$2,764/mo
Today · 4.125%
HK$107,069
baseline
▲ 0.50% · 4.625%
HK$112,713
+HK$5,644/mo
Deposit HK$13.35M · loan HK$20.02M · min. income ≈ HK$214,138/mo (50% DSR)
Upfront cash ≈ HK$14.77M (deposit + AVD stamp duty HK$1,418,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,528
−HK$6,680/mo
▼ 0.25% · 3.875%
HK$109,841
−HK$3,367/mo
Today · 4.125%
HK$113,208
baseline
▲ 0.50% · 4.625%
HK$120,096
+HK$6,888/mo
Deposit HK$10.01M · loan HK$23.36M · min. income ≈ HK$226,416/mo (50% DSR)
Upfront cash ≈ HK$11.43M (deposit + AVD stamp duty HK$1,418,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,511
−HK$6,403/mo
▼ 0.25% · 3.875%
HK$121,689
−HK$3,225/mo
Today · 4.125%
HK$124,914
baseline
▲ 0.50% · 4.625%
HK$131,498
+HK$6,584/mo
Deposit HK$10.01M · loan HK$23.36M · min. income ≈ HK$249,828/mo (50% DSR)
Upfront cash ≈ HK$11.43M (deposit + AVD stamp duty HK$1,418,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,964
−HK$8,589/mo
▼ 0.25% · 3.875%
HK$141,224
−HK$4,329/mo
Today · 4.125%
HK$145,553
baseline
▲ 0.50% · 4.625%
HK$154,409
+HK$8,856/mo
Deposit HK$3.34M · loan HK$30.03M · min. income ≈ HK$291,106/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$1,418,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,371
−HK$8,232/mo
▼ 0.25% · 3.875%
HK$156,458
−HK$4,145/mo
Today · 4.125%
HK$160,603
baseline
▲ 0.50% · 4.625%
HK$169,069
+HK$8,466/mo
Deposit HK$3.34M · loan HK$30.03M · min. income ≈ HK$321,206/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$1,418,205 · Scale 2, in force from 26 Feb 2026)