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$76,157
−HK$4,775/mo
▼ 0.25% · 3.875%
HK$78,526
−HK$2,406/mo
Today · 4.125%
HK$80,932
baseline
▲ 0.50% · 4.625%
HK$85,857
+HK$4,925/mo
Deposit HK$16.70M · loan HK$16.70M · min. income ≈ HK$161,864/mo (50% DSR)
Upfront cash ≈ HK$18.12M (deposit + AVD stamp duty HK$1,419,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,724
−HK$4,577/mo
▼ 0.25% · 3.875%
HK$86,996
−HK$2,305/mo
Today · 4.125%
HK$89,301
baseline
▲ 0.50% · 4.625%
HK$94,008
+HK$4,707/mo
Deposit HK$16.70M · loan HK$16.70M · min. income ≈ HK$178,602/mo (50% DSR)
Upfront cash ≈ HK$18.12M (deposit + AVD stamp duty HK$1,419,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,388
−HK$5,731/mo
▼ 0.25% · 3.875%
HK$94,231
−HK$2,888/mo
Today · 4.125%
HK$97,119
baseline
▲ 0.50% · 4.625%
HK$103,028
+HK$5,909/mo
Deposit HK$13.36M · loan HK$20.04M · min. income ≈ HK$194,238/mo (50% DSR)
Upfront cash ≈ HK$14.78M (deposit + AVD stamp duty HK$1,419,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,668
−HK$5,493/mo
▼ 0.25% · 3.875%
HK$104,395
−HK$2,766/mo
Today · 4.125%
HK$107,161
baseline
▲ 0.50% · 4.625%
HK$112,810
+HK$5,649/mo
Deposit HK$13.36M · loan HK$20.04M · min. income ≈ HK$214,322/mo (50% DSR)
Upfront cash ≈ HK$14.78M (deposit + AVD stamp duty HK$1,419,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,619
−HK$6,686/mo
▼ 0.25% · 3.875%
HK$109,936
−HK$3,369/mo
Today · 4.125%
HK$113,305
baseline
▲ 0.50% · 4.625%
HK$120,200
+HK$6,895/mo
Deposit HK$10.02M · loan HK$23.38M · min. income ≈ HK$226,610/mo (50% DSR)
Upfront cash ≈ HK$11.44M (deposit + AVD stamp duty HK$1,419,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,613
−HK$6,408/mo
▼ 0.25% · 3.875%
HK$121,794
−HK$3,227/mo
Today · 4.125%
HK$125,021
baseline
▲ 0.50% · 4.625%
HK$131,611
+HK$6,590/mo
Deposit HK$10.02M · loan HK$23.38M · min. income ≈ HK$250,042/mo (50% DSR)
Upfront cash ≈ HK$11.44M (deposit + AVD stamp duty HK$1,419,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,082
−HK$8,596/mo
▼ 0.25% · 3.875%
HK$141,346
−HK$4,332/mo
Today · 4.125%
HK$145,678
baseline
▲ 0.50% · 4.625%
HK$154,543
+HK$8,865/mo
Deposit HK$3.34M · loan HK$30.06M · min. income ≈ HK$291,356/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$1,419,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,503
−HK$8,239/mo
▼ 0.25% · 3.875%
HK$156,593
−HK$4,149/mo
Today · 4.125%
HK$160,742
baseline
▲ 0.50% · 4.625%
HK$169,215
+HK$8,473/mo
Deposit HK$3.34M · loan HK$30.06M · min. income ≈ HK$321,484/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$1,419,429 · Scale 2, in force from 26 Feb 2026)