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$76,109
−HK$4,773/mo
▼ 0.25% · 3.875%
HK$78,477
−HK$2,405/mo
Today · 4.125%
HK$80,882
baseline
▲ 0.50% · 4.625%
HK$85,804
+HK$4,922/mo
Deposit HK$16.69M · loan HK$16.69M · min. income ≈ HK$161,764/mo (50% DSR)
Upfront cash ≈ HK$18.11M (deposit + AVD stamp duty HK$1,418,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,671
−HK$4,574/mo
▼ 0.25% · 3.875%
HK$86,942
−HK$2,303/mo
Today · 4.125%
HK$89,245
baseline
▲ 0.50% · 4.625%
HK$93,950
+HK$4,705/mo
Deposit HK$16.69M · loan HK$16.69M · min. income ≈ HK$178,490/mo (50% DSR)
Upfront cash ≈ HK$18.11M (deposit + AVD stamp duty HK$1,418,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,331
−HK$5,728/mo
▼ 0.25% · 3.875%
HK$94,172
−HK$2,887/mo
Today · 4.125%
HK$97,059
baseline
▲ 0.50% · 4.625%
HK$102,964
+HK$5,905/mo
Deposit HK$13.35M · loan HK$20.03M · min. income ≈ HK$194,118/mo (50% DSR)
Upfront cash ≈ HK$14.77M (deposit + AVD stamp duty HK$1,418,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,605
−HK$5,490/mo
▼ 0.25% · 3.875%
HK$104,330
−HK$2,765/mo
Today · 4.125%
HK$107,095
baseline
▲ 0.50% · 4.625%
HK$112,740
+HK$5,645/mo
Deposit HK$13.35M · loan HK$20.03M · min. income ≈ HK$214,190/mo (50% DSR)
Upfront cash ≈ HK$14.77M (deposit + AVD stamp duty HK$1,418,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,553
−HK$6,682/mo
▼ 0.25% · 3.875%
HK$109,868
−HK$3,367/mo
Today · 4.125%
HK$113,235
baseline
▲ 0.50% · 4.625%
HK$120,125
+HK$6,890/mo
Deposit HK$10.01M · loan HK$23.36M · min. income ≈ HK$226,470/mo (50% DSR)
Upfront cash ≈ HK$11.43M (deposit + AVD stamp duty HK$1,418,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,539
−HK$6,405/mo
▼ 0.25% · 3.875%
HK$121,719
−HK$3,225/mo
Today · 4.125%
HK$124,944
baseline
▲ 0.50% · 4.625%
HK$131,530
+HK$6,586/mo
Deposit HK$10.01M · loan HK$23.36M · min. income ≈ HK$249,888/mo (50% DSR)
Upfront cash ≈ HK$11.43M (deposit + AVD stamp duty HK$1,418,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,997
−HK$8,591/mo
▼ 0.25% · 3.875%
HK$141,258
−HK$4,330/mo
Today · 4.125%
HK$145,588
baseline
▲ 0.50% · 4.625%
HK$154,447
+HK$8,859/mo
Deposit HK$3.34M · loan HK$30.04M · min. income ≈ HK$291,176/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$1,418,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,408
−HK$8,234/mo
▼ 0.25% · 3.875%
HK$156,495
−HK$4,147/mo
Today · 4.125%
HK$160,642
baseline
▲ 0.50% · 4.625%
HK$169,110
+HK$8,468/mo
Deposit HK$3.34M · loan HK$30.04M · min. income ≈ HK$321,284/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$1,418,547 · Scale 2, in force from 26 Feb 2026)