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$76,377
−HK$4,790/mo
▼ 0.25% · 3.875%
HK$78,753
−HK$2,414/mo
Today · 4.125%
HK$81,167
baseline
▲ 0.50% · 4.625%
HK$86,105
+HK$4,938/mo
Deposit HK$16.75M · loan HK$16.75M · min. income ≈ HK$162,334/mo (50% DSR)
Upfront cash ≈ HK$18.17M (deposit + AVD stamp duty HK$1,423,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,969
−HK$4,590/mo
▼ 0.25% · 3.875%
HK$87,248
−HK$2,311/mo
Today · 4.125%
HK$89,559
baseline
▲ 0.50% · 4.625%
HK$94,280
+HK$4,721/mo
Deposit HK$16.75M · loan HK$16.75M · min. income ≈ HK$179,118/mo (50% DSR)
Upfront cash ≈ HK$18.17M (deposit + AVD stamp duty HK$1,423,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,653
−HK$5,747/mo
▼ 0.25% · 3.875%
HK$94,503
−HK$2,897/mo
Today · 4.125%
HK$97,400
baseline
▲ 0.50% · 4.625%
HK$103,327
+HK$5,927/mo
Deposit HK$13.40M · loan HK$20.10M · min. income ≈ HK$194,800/mo (50% DSR)
Upfront cash ≈ HK$14.82M (deposit + AVD stamp duty HK$1,423,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,963
−HK$5,508/mo
▼ 0.25% · 3.875%
HK$104,697
−HK$2,774/mo
Today · 4.125%
HK$107,471
baseline
▲ 0.50% · 4.625%
HK$113,136
+HK$5,665/mo
Deposit HK$13.40M · loan HK$20.10M · min. income ≈ HK$214,942/mo (50% DSR)
Upfront cash ≈ HK$14.82M (deposit + AVD stamp duty HK$1,423,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,928
−HK$6,705/mo
▼ 0.25% · 3.875%
HK$110,254
−HK$3,379/mo
Today · 4.125%
HK$113,633
baseline
▲ 0.50% · 4.625%
HK$120,548
+HK$6,915/mo
Deposit HK$10.05M · loan HK$23.45M · min. income ≈ HK$227,266/mo (50% DSR)
Upfront cash ≈ HK$11.47M (deposit + AVD stamp duty HK$1,423,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,956
−HK$6,427/mo
▼ 0.25% · 3.875%
HK$122,147
−HK$3,236/mo
Today · 4.125%
HK$125,383
baseline
▲ 0.50% · 4.625%
HK$131,992
+HK$6,609/mo
Deposit HK$10.05M · loan HK$23.45M · min. income ≈ HK$250,766/mo (50% DSR)
Upfront cash ≈ HK$11.47M (deposit + AVD stamp duty HK$1,423,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,479
−HK$8,621/mo
▼ 0.25% · 3.875%
HK$141,755
−HK$4,345/mo
Today · 4.125%
HK$146,100
baseline
▲ 0.50% · 4.625%
HK$154,990
+HK$8,890/mo
Deposit HK$3.35M · loan HK$30.15M · min. income ≈ HK$292,200/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$1,423,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,944
−HK$8,263/mo
▼ 0.25% · 3.875%
HK$157,046
−HK$4,161/mo
Today · 4.125%
HK$161,207
baseline
▲ 0.50% · 4.625%
HK$169,704
+HK$8,497/mo
Deposit HK$3.35M · loan HK$30.15M · min. income ≈ HK$322,414/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$1,423,537 · Scale 2, in force from 26 Feb 2026)