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$76,405
−HK$4,792/mo
▼ 0.25% · 3.875%
HK$78,782
−HK$2,415/mo
Today · 4.125%
HK$81,197
baseline
▲ 0.50% · 4.625%
HK$86,137
+HK$4,940/mo
Deposit HK$16.75M · loan HK$16.75M · min. income ≈ HK$162,394/mo (50% DSR)
Upfront cash ≈ HK$18.18M (deposit + AVD stamp duty HK$1,424,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,000
−HK$4,592/mo
▼ 0.25% · 3.875%
HK$87,280
−HK$2,312/mo
Today · 4.125%
HK$89,592
baseline
▲ 0.50% · 4.625%
HK$94,315
+HK$4,723/mo
Deposit HK$16.75M · loan HK$16.75M · min. income ≈ HK$179,184/mo (50% DSR)
Upfront cash ≈ HK$18.18M (deposit + AVD stamp duty HK$1,424,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,686
−HK$5,750/mo
▼ 0.25% · 3.875%
HK$94,538
−HK$2,898/mo
Today · 4.125%
HK$97,436
baseline
▲ 0.50% · 4.625%
HK$103,365
+HK$5,929/mo
Deposit HK$13.40M · loan HK$20.10M · min. income ≈ HK$194,872/mo (50% DSR)
Upfront cash ≈ HK$14.83M (deposit + AVD stamp duty HK$1,424,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,000
−HK$5,511/mo
▼ 0.25% · 3.875%
HK$104,736
−HK$2,775/mo
Today · 4.125%
HK$107,511
baseline
▲ 0.50% · 4.625%
HK$113,178
+HK$5,667/mo
Deposit HK$13.40M · loan HK$20.10M · min. income ≈ HK$215,022/mo (50% DSR)
Upfront cash ≈ HK$14.83M (deposit + AVD stamp duty HK$1,424,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,968
−HK$6,707/mo
▼ 0.25% · 3.875%
HK$110,295
−HK$3,380/mo
Today · 4.125%
HK$113,675
baseline
▲ 0.50% · 4.625%
HK$120,592
+HK$6,917/mo
Deposit HK$10.05M · loan HK$23.46M · min. income ≈ HK$227,350/mo (50% DSR)
Upfront cash ≈ HK$11.48M (deposit + AVD stamp duty HK$1,424,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,000
−HK$6,429/mo
▼ 0.25% · 3.875%
HK$122,192
−HK$3,237/mo
Today · 4.125%
HK$125,429
baseline
▲ 0.50% · 4.625%
HK$132,041
+HK$6,612/mo
Deposit HK$10.05M · loan HK$23.46M · min. income ≈ HK$250,858/mo (50% DSR)
Upfront cash ≈ HK$11.48M (deposit + AVD stamp duty HK$1,424,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,530
−HK$8,624/mo
▼ 0.25% · 3.875%
HK$141,808
−HK$4,346/mo
Today · 4.125%
HK$146,154
baseline
▲ 0.50% · 4.625%
HK$155,047
+HK$8,893/mo
Deposit HK$3.35M · loan HK$30.16M · min. income ≈ HK$292,308/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$1,424,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,000
−HK$8,266/mo
▼ 0.25% · 3.875%
HK$157,104
−HK$4,162/mo
Today · 4.125%
HK$161,266
baseline
▲ 0.50% · 4.625%
HK$169,767
+HK$8,501/mo
Deposit HK$3.35M · loan HK$30.16M · min. income ≈ HK$322,532/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$1,424,063 · Scale 2, in force from 26 Feb 2026)