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$75,228
−HK$4,718/mo
▼ 0.25% · 3.875%
HK$77,568
−HK$2,378/mo
Today · 4.125%
HK$79,946
baseline
▲ 0.50% · 4.625%
HK$84,810
+HK$4,864/mo
Deposit HK$16.50M · loan HK$16.50M · min. income ≈ HK$159,892/mo (50% DSR)
Upfront cash ≈ HK$17.90M (deposit + AVD stamp duty HK$1,402,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,691
−HK$4,521/mo
▼ 0.25% · 3.875%
HK$85,935
−HK$2,277/mo
Today · 4.125%
HK$88,212
baseline
▲ 0.50% · 4.625%
HK$92,862
+HK$4,650/mo
Deposit HK$16.50M · loan HK$16.50M · min. income ≈ HK$176,424/mo (50% DSR)
Upfront cash ≈ HK$17.90M (deposit + AVD stamp duty HK$1,402,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,274
−HK$5,661/mo
▼ 0.25% · 3.875%
HK$93,082
−HK$2,853/mo
Today · 4.125%
HK$95,935
baseline
▲ 0.50% · 4.625%
HK$101,772
+HK$5,837/mo
Deposit HK$13.20M · loan HK$19.79M · min. income ≈ HK$191,870/mo (50% DSR)
Upfront cash ≈ HK$14.60M (deposit + AVD stamp duty HK$1,402,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,429
−HK$5,426/mo
▼ 0.25% · 3.875%
HK$103,122
−HK$2,733/mo
Today · 4.125%
HK$105,855
baseline
▲ 0.50% · 4.625%
HK$111,434
+HK$5,579/mo
Deposit HK$13.20M · loan HK$19.79M · min. income ≈ HK$211,710/mo (50% DSR)
Upfront cash ≈ HK$14.60M (deposit + AVD stamp duty HK$1,402,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,320
−HK$6,604/mo
▼ 0.25% · 3.875%
HK$108,596
−HK$3,328/mo
Today · 4.125%
HK$111,924
baseline
▲ 0.50% · 4.625%
HK$118,734
+HK$6,810/mo
Deposit HK$9.90M · loan HK$23.09M · min. income ≈ HK$223,848/mo (50% DSR)
Upfront cash ≈ HK$11.30M (deposit + AVD stamp duty HK$1,402,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,167
−HK$6,330/mo
▼ 0.25% · 3.875%
HK$120,309
−HK$3,188/mo
Today · 4.125%
HK$123,497
baseline
▲ 0.50% · 4.625%
HK$130,007
+HK$6,510/mo
Deposit HK$9.90M · loan HK$23.09M · min. income ≈ HK$246,994/mo (50% DSR)
Upfront cash ≈ HK$11.30M (deposit + AVD stamp duty HK$1,402,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,411
−HK$8,491/mo
▼ 0.25% · 3.875%
HK$139,623
−HK$4,279/mo
Today · 4.125%
HK$143,902
baseline
▲ 0.50% · 4.625%
HK$152,658
+HK$8,756/mo
Deposit HK$3.30M · loan HK$29.69M · min. income ≈ HK$287,804/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$1,402,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,643
−HK$8,139/mo
▼ 0.25% · 3.875%
HK$154,683
−HK$4,099/mo
Today · 4.125%
HK$158,782
baseline
▲ 0.50% · 4.625%
HK$167,152
+HK$8,370/mo
Deposit HK$3.30M · loan HK$29.69M · min. income ≈ HK$317,564/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$1,402,123 · Scale 2, in force from 26 Feb 2026)