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$76,034
−HK$4,768/mo
▼ 0.25% · 3.875%
HK$78,399
−HK$2,403/mo
Today · 4.125%
HK$80,802
baseline
▲ 0.50% · 4.625%
HK$85,718
+HK$4,916/mo
Deposit HK$16.67M · loan HK$16.67M · min. income ≈ HK$161,604/mo (50% DSR)
Upfront cash ≈ HK$18.09M (deposit + AVD stamp duty HK$1,417,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,587
−HK$4,570/mo
▼ 0.25% · 3.875%
HK$86,855
−HK$2,302/mo
Today · 4.125%
HK$89,157
baseline
▲ 0.50% · 4.625%
HK$93,856
+HK$4,699/mo
Deposit HK$16.67M · loan HK$16.67M · min. income ≈ HK$178,314/mo (50% DSR)
Upfront cash ≈ HK$18.09M (deposit + AVD stamp duty HK$1,417,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,241
−HK$5,721/mo
▼ 0.25% · 3.875%
HK$94,079
−HK$2,883/mo
Today · 4.125%
HK$96,962
baseline
▲ 0.50% · 4.625%
HK$102,862
+HK$5,900/mo
Deposit HK$13.34M · loan HK$20.01M · min. income ≈ HK$193,924/mo (50% DSR)
Upfront cash ≈ HK$14.75M (deposit + AVD stamp duty HK$1,417,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,504
−HK$5,484/mo
▼ 0.25% · 3.875%
HK$104,226
−HK$2,762/mo
Today · 4.125%
HK$106,988
baseline
▲ 0.50% · 4.625%
HK$112,628
+HK$5,640/mo
Deposit HK$13.34M · loan HK$20.01M · min. income ≈ HK$213,976/mo (50% DSR)
Upfront cash ≈ HK$14.75M (deposit + AVD stamp duty HK$1,417,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,447
−HK$6,675/mo
▼ 0.25% · 3.875%
HK$109,758
−HK$3,364/mo
Today · 4.125%
HK$113,122
baseline
▲ 0.50% · 4.625%
HK$120,006
+HK$6,884/mo
Deposit HK$10.00M · loan HK$23.34M · min. income ≈ HK$226,244/mo (50% DSR)
Upfront cash ≈ HK$11.42M (deposit + AVD stamp duty HK$1,417,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,422
−HK$6,398/mo
▼ 0.25% · 3.875%
HK$121,598
−HK$3,222/mo
Today · 4.125%
HK$124,820
baseline
▲ 0.50% · 4.625%
HK$131,399
+HK$6,579/mo
Deposit HK$10.00M · loan HK$23.34M · min. income ≈ HK$249,640/mo (50% DSR)
Upfront cash ≈ HK$11.42M (deposit + AVD stamp duty HK$1,417,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,861
−HK$8,582/mo
▼ 0.25% · 3.875%
HK$141,118
−HK$4,325/mo
Today · 4.125%
HK$145,443
baseline
▲ 0.50% · 4.625%
HK$154,293
+HK$8,850/mo
Deposit HK$3.33M · loan HK$30.01M · min. income ≈ HK$290,886/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$1,417,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,256
−HK$8,226/mo
▼ 0.25% · 3.875%
HK$156,340
−HK$4,142/mo
Today · 4.125%
HK$160,482
baseline
▲ 0.50% · 4.625%
HK$168,941
+HK$8,459/mo
Deposit HK$3.33M · loan HK$30.01M · min. income ≈ HK$320,964/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$1,417,138 · Scale 2, in force from 26 Feb 2026)