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$76,184
−HK$4,777/mo
▼ 0.25% · 3.875%
HK$78,554
−HK$2,407/mo
Today · 4.125%
HK$80,961
baseline
▲ 0.50% · 4.625%
HK$85,888
+HK$4,927/mo
Deposit HK$16.71M · loan HK$16.71M · min. income ≈ HK$161,922/mo (50% DSR)
Upfront cash ≈ HK$18.13M (deposit + AVD stamp duty HK$1,419,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,754
−HK$4,579/mo
▼ 0.25% · 3.875%
HK$87,027
−HK$2,306/mo
Today · 4.125%
HK$89,333
baseline
▲ 0.50% · 4.625%
HK$94,042
+HK$4,709/mo
Deposit HK$16.71M · loan HK$16.71M · min. income ≈ HK$178,666/mo (50% DSR)
Upfront cash ≈ HK$18.13M (deposit + AVD stamp duty HK$1,419,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,421
−HK$5,733/mo
▼ 0.25% · 3.875%
HK$94,265
−HK$2,889/mo
Today · 4.125%
HK$97,154
baseline
▲ 0.50% · 4.625%
HK$103,065
+HK$5,911/mo
Deposit HK$13.36M · loan HK$20.05M · min. income ≈ HK$194,308/mo (50% DSR)
Upfront cash ≈ HK$14.78M (deposit + AVD stamp duty HK$1,419,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,705
−HK$5,495/mo
▼ 0.25% · 3.875%
HK$104,432
−HK$2,768/mo
Today · 4.125%
HK$107,200
baseline
▲ 0.50% · 4.625%
HK$112,850
+HK$5,650/mo
Deposit HK$13.36M · loan HK$20.05M · min. income ≈ HK$214,400/mo (50% DSR)
Upfront cash ≈ HK$14.78M (deposit + AVD stamp duty HK$1,419,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,658
−HK$6,688/mo
▼ 0.25% · 3.875%
HK$109,975
−HK$3,371/mo
Today · 4.125%
HK$113,346
baseline
▲ 0.50% · 4.625%
HK$120,243
+HK$6,897/mo
Deposit HK$10.02M · loan HK$23.39M · min. income ≈ HK$226,692/mo (50% DSR)
Upfront cash ≈ HK$11.44M (deposit + AVD stamp duty HK$1,419,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,656
−HK$6,410/mo
▼ 0.25% · 3.875%
HK$121,838
−HK$3,228/mo
Today · 4.125%
HK$125,066
baseline
▲ 0.50% · 4.625%
HK$131,659
+HK$6,593/mo
Deposit HK$10.02M · loan HK$23.39M · min. income ≈ HK$250,132/mo (50% DSR)
Upfront cash ≈ HK$11.44M (deposit + AVD stamp duty HK$1,419,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,131
−HK$8,600/mo
▼ 0.25% · 3.875%
HK$141,397
−HK$4,334/mo
Today · 4.125%
HK$145,731
baseline
▲ 0.50% · 4.625%
HK$154,598
+HK$8,867/mo
Deposit HK$3.34M · loan HK$30.07M · min. income ≈ HK$291,462/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$1,419,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,557
−HK$8,242/mo
▼ 0.25% · 3.875%
HK$156,649
−HK$4,150/mo
Today · 4.125%
HK$160,799
baseline
▲ 0.50% · 4.625%
HK$169,275
+HK$8,476/mo
Deposit HK$3.34M · loan HK$30.07M · min. income ≈ HK$321,598/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$1,419,938 · Scale 2, in force from 26 Feb 2026)