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$76,063
−HK$4,770/mo
▼ 0.25% · 3.875%
HK$78,429
−HK$2,404/mo
Today · 4.125%
HK$80,833
baseline
▲ 0.50% · 4.625%
HK$85,752
+HK$4,919/mo
Deposit HK$16.68M · loan HK$16.68M · min. income ≈ HK$161,666/mo (50% DSR)
Upfront cash ≈ HK$18.10M (deposit + AVD stamp duty HK$1,417,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,620
−HK$4,571/mo
▼ 0.25% · 3.875%
HK$86,889
−HK$2,302/mo
Today · 4.125%
HK$89,191
baseline
▲ 0.50% · 4.625%
HK$93,893
+HK$4,702/mo
Deposit HK$16.68M · loan HK$16.68M · min. income ≈ HK$178,382/mo (50% DSR)
Upfront cash ≈ HK$18.10M (deposit + AVD stamp duty HK$1,417,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,276
−HK$5,724/mo
▼ 0.25% · 3.875%
HK$94,115
−HK$2,885/mo
Today · 4.125%
HK$97,000
baseline
▲ 0.50% · 4.625%
HK$102,902
+HK$5,902/mo
Deposit HK$13.34M · loan HK$20.01M · min. income ≈ HK$194,000/mo (50% DSR)
Upfront cash ≈ HK$14.76M (deposit + AVD stamp duty HK$1,417,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,544
−HK$5,486/mo
▼ 0.25% · 3.875%
HK$104,267
−HK$2,763/mo
Today · 4.125%
HK$107,030
baseline
▲ 0.50% · 4.625%
HK$112,671
+HK$5,641/mo
Deposit HK$13.34M · loan HK$20.01M · min. income ≈ HK$214,060/mo (50% DSR)
Upfront cash ≈ HK$14.76M (deposit + AVD stamp duty HK$1,417,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,489
−HK$6,677/mo
▼ 0.25% · 3.875%
HK$109,801
−HK$3,365/mo
Today · 4.125%
HK$113,166
baseline
▲ 0.50% · 4.625%
HK$120,052
+HK$6,886/mo
Deposit HK$10.01M · loan HK$23.35M · min. income ≈ HK$226,332/mo (50% DSR)
Upfront cash ≈ HK$11.42M (deposit + AVD stamp duty HK$1,417,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,467
−HK$6,401/mo
▼ 0.25% · 3.875%
HK$121,645
−HK$3,223/mo
Today · 4.125%
HK$124,868
baseline
▲ 0.50% · 4.625%
HK$131,450
+HK$6,582/mo
Deposit HK$10.01M · loan HK$23.35M · min. income ≈ HK$249,736/mo (50% DSR)
Upfront cash ≈ HK$11.42M (deposit + AVD stamp duty HK$1,417,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,914
−HK$8,586/mo
▼ 0.25% · 3.875%
HK$141,173
−HK$4,327/mo
Today · 4.125%
HK$145,500
baseline
▲ 0.50% · 4.625%
HK$154,353
+HK$8,853/mo
Deposit HK$3.34M · loan HK$30.02M · min. income ≈ HK$291,000/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$1,417,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,315
−HK$8,229/mo
▼ 0.25% · 3.875%
HK$156,400
−HK$4,144/mo
Today · 4.125%
HK$160,544
baseline
▲ 0.50% · 4.625%
HK$169,007
+HK$8,463/mo
Deposit HK$3.34M · loan HK$30.02M · min. income ≈ HK$321,088/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$1,417,687 · Scale 2, in force from 26 Feb 2026)