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$76,373
−HK$4,789/mo
▼ 0.25% · 3.875%
HK$78,749
−HK$2,413/mo
Today · 4.125%
HK$81,162
baseline
▲ 0.50% · 4.625%
HK$86,101
+HK$4,939/mo
Deposit HK$16.75M · loan HK$16.75M · min. income ≈ HK$162,324/mo (50% DSR)
Upfront cash ≈ HK$18.17M (deposit + AVD stamp duty HK$1,423,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,964
−HK$4,591/mo
▼ 0.25% · 3.875%
HK$87,243
−HK$2,312/mo
Today · 4.125%
HK$89,555
baseline
▲ 0.50% · 4.625%
HK$94,275
+HK$4,720/mo
Deposit HK$16.75M · loan HK$16.75M · min. income ≈ HK$179,110/mo (50% DSR)
Upfront cash ≈ HK$18.17M (deposit + AVD stamp duty HK$1,423,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,648
−HK$5,747/mo
▼ 0.25% · 3.875%
HK$94,498
−HK$2,897/mo
Today · 4.125%
HK$97,395
baseline
▲ 0.50% · 4.625%
HK$103,321
+HK$5,926/mo
Deposit HK$13.40M · loan HK$20.10M · min. income ≈ HK$194,790/mo (50% DSR)
Upfront cash ≈ HK$14.82M (deposit + AVD stamp duty HK$1,423,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,957
−HK$5,508/mo
▼ 0.25% · 3.875%
HK$104,692
−HK$2,773/mo
Today · 4.125%
HK$107,465
baseline
▲ 0.50% · 4.625%
HK$113,130
+HK$5,665/mo
Deposit HK$13.40M · loan HK$20.10M · min. income ≈ HK$214,930/mo (50% DSR)
Upfront cash ≈ HK$14.82M (deposit + AVD stamp duty HK$1,423,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,922
−HK$6,705/mo
▼ 0.25% · 3.875%
HK$110,248
−HK$3,379/mo
Today · 4.125%
HK$113,627
baseline
▲ 0.50% · 4.625%
HK$120,541
+HK$6,914/mo
Deposit HK$10.05M · loan HK$23.45M · min. income ≈ HK$227,254/mo (50% DSR)
Upfront cash ≈ HK$11.47M (deposit + AVD stamp duty HK$1,423,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,950
−HK$6,426/mo
▼ 0.25% · 3.875%
HK$122,140
−HK$3,236/mo
Today · 4.125%
HK$125,376
baseline
▲ 0.50% · 4.625%
HK$131,985
+HK$6,609/mo
Deposit HK$10.05M · loan HK$23.45M · min. income ≈ HK$250,752/mo (50% DSR)
Upfront cash ≈ HK$11.47M (deposit + AVD stamp duty HK$1,423,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,471
−HK$8,621/mo
▼ 0.25% · 3.875%
HK$141,748
−HK$4,344/mo
Today · 4.125%
HK$146,092
baseline
▲ 0.50% · 4.625%
HK$154,981
+HK$8,889/mo
Deposit HK$3.35M · loan HK$30.14M · min. income ≈ HK$292,184/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$1,423,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,936
−HK$8,262/mo
▼ 0.25% · 3.875%
HK$157,037
−HK$4,161/mo
Today · 4.125%
HK$161,198
baseline
▲ 0.50% · 4.625%
HK$169,695
+HK$8,497/mo
Deposit HK$3.35M · loan HK$30.14M · min. income ≈ HK$322,396/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$1,423,460 · Scale 2, in force from 26 Feb 2026)