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$76,131
−HK$4,774/mo
▼ 0.25% · 3.875%
HK$78,499
−HK$2,406/mo
Today · 4.125%
HK$80,905
baseline
▲ 0.50% · 4.625%
HK$85,827
+HK$4,922/mo
Deposit HK$16.69M · loan HK$16.69M · min. income ≈ HK$161,810/mo (50% DSR)
Upfront cash ≈ HK$18.11M (deposit + AVD stamp duty HK$1,418,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,694
−HK$4,576/mo
▼ 0.25% · 3.875%
HK$86,966
−HK$2,304/mo
Today · 4.125%
HK$89,270
baseline
▲ 0.50% · 4.625%
HK$93,976
+HK$4,706/mo
Deposit HK$16.69M · loan HK$16.69M · min. income ≈ HK$178,540/mo (50% DSR)
Upfront cash ≈ HK$18.11M (deposit + AVD stamp duty HK$1,418,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,357
−HK$5,729/mo
▼ 0.25% · 3.875%
HK$94,198
−HK$2,888/mo
Today · 4.125%
HK$97,086
baseline
▲ 0.50% · 4.625%
HK$102,993
+HK$5,907/mo
Deposit HK$13.35M · loan HK$20.03M · min. income ≈ HK$194,172/mo (50% DSR)
Upfront cash ≈ HK$14.77M (deposit + AVD stamp duty HK$1,418,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,633
−HK$5,491/mo
▼ 0.25% · 3.875%
HK$104,359
−HK$2,765/mo
Today · 4.125%
HK$107,124
baseline
▲ 0.50% · 4.625%
HK$112,771
+HK$5,647/mo
Deposit HK$13.35M · loan HK$20.03M · min. income ≈ HK$214,248/mo (50% DSR)
Upfront cash ≈ HK$14.77M (deposit + AVD stamp duty HK$1,418,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,583
−HK$6,683/mo
▼ 0.25% · 3.875%
HK$109,898
−HK$3,368/mo
Today · 4.125%
HK$113,266
baseline
▲ 0.50% · 4.625%
HK$120,158
+HK$6,892/mo
Deposit HK$10.02M · loan HK$23.37M · min. income ≈ HK$226,532/mo (50% DSR)
Upfront cash ≈ HK$11.43M (deposit + AVD stamp duty HK$1,418,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,572
−HK$6,406/mo
▼ 0.25% · 3.875%
HK$121,752
−HK$3,226/mo
Today · 4.125%
HK$124,978
baseline
▲ 0.50% · 4.625%
HK$131,566
+HK$6,588/mo
Deposit HK$10.02M · loan HK$23.37M · min. income ≈ HK$249,956/mo (50% DSR)
Upfront cash ≈ HK$11.43M (deposit + AVD stamp duty HK$1,418,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,035
−HK$8,593/mo
▼ 0.25% · 3.875%
HK$141,298
−HK$4,330/mo
Today · 4.125%
HK$145,628
baseline
▲ 0.50% · 4.625%
HK$154,489
+HK$8,861/mo
Deposit HK$3.34M · loan HK$30.05M · min. income ≈ HK$291,256/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$1,418,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,450
−HK$8,237/mo
▼ 0.25% · 3.875%
HK$156,539
−HK$4,148/mo
Today · 4.125%
HK$160,687
baseline
▲ 0.50% · 4.625%
HK$169,157
+HK$8,470/mo
Deposit HK$3.34M · loan HK$30.05M · min. income ≈ HK$321,374/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$1,418,941 · Scale 2, in force from 26 Feb 2026)