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$75,253
−HK$4,719/mo
▼ 0.25% · 3.875%
HK$77,594
−HK$2,378/mo
Today · 4.125%
HK$79,972
baseline
▲ 0.50% · 4.625%
HK$84,838
+HK$4,866/mo
Deposit HK$16.50M · loan HK$16.50M · min. income ≈ HK$159,944/mo (50% DSR)
Upfront cash ≈ HK$17.90M (deposit + AVD stamp duty HK$1,402,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,718
−HK$4,523/mo
▼ 0.25% · 3.875%
HK$85,964
−HK$2,277/mo
Today · 4.125%
HK$88,241
baseline
▲ 0.50% · 4.625%
HK$92,893
+HK$4,652/mo
Deposit HK$16.50M · loan HK$16.50M · min. income ≈ HK$176,482/mo (50% DSR)
Upfront cash ≈ HK$17.90M (deposit + AVD stamp duty HK$1,402,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,304
−HK$5,663/mo
▼ 0.25% · 3.875%
HK$93,113
−HK$2,854/mo
Today · 4.125%
HK$95,967
baseline
▲ 0.50% · 4.625%
HK$101,806
+HK$5,839/mo
Deposit HK$13.20M · loan HK$19.80M · min. income ≈ HK$191,934/mo (50% DSR)
Upfront cash ≈ HK$14.60M (deposit + AVD stamp duty HK$1,402,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,462
−HK$5,428/mo
▼ 0.25% · 3.875%
HK$103,156
−HK$2,734/mo
Today · 4.125%
HK$105,890
baseline
▲ 0.50% · 4.625%
HK$111,471
+HK$5,581/mo
Deposit HK$13.20M · loan HK$19.80M · min. income ≈ HK$211,780/mo (50% DSR)
Upfront cash ≈ HK$14.60M (deposit + AVD stamp duty HK$1,402,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,354
−HK$6,607/mo
▼ 0.25% · 3.875%
HK$108,632
−HK$3,329/mo
Today · 4.125%
HK$111,961
baseline
▲ 0.50% · 4.625%
HK$118,774
+HK$6,813/mo
Deposit HK$9.90M · loan HK$23.10M · min. income ≈ HK$223,922/mo (50% DSR)
Upfront cash ≈ HK$11.30M (deposit + AVD stamp duty HK$1,402,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,206
−HK$6,332/mo
▼ 0.25% · 3.875%
HK$120,349
−HK$3,189/mo
Today · 4.125%
HK$123,538
baseline
▲ 0.50% · 4.625%
HK$130,050
+HK$6,512/mo
Deposit HK$9.90M · loan HK$23.10M · min. income ≈ HK$247,076/mo (50% DSR)
Upfront cash ≈ HK$11.30M (deposit + AVD stamp duty HK$1,402,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,456
−HK$8,494/mo
▼ 0.25% · 3.875%
HK$139,669
−HK$4,281/mo
Today · 4.125%
HK$143,950
baseline
▲ 0.50% · 4.625%
HK$152,709
+HK$8,759/mo
Deposit HK$3.30M · loan HK$29.70M · min. income ≈ HK$287,900/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$1,402,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,693
−HK$8,142/mo
▼ 0.25% · 3.875%
HK$154,735
−HK$4,100/mo
Today · 4.125%
HK$158,835
baseline
▲ 0.50% · 4.625%
HK$167,207
+HK$8,372/mo
Deposit HK$3.30M · loan HK$29.70M · min. income ≈ HK$317,670/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$1,402,588 · Scale 2, in force from 26 Feb 2026)