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$76,183
−HK$4,777/mo
▼ 0.25% · 3.875%
HK$78,553
−HK$2,407/mo
Today · 4.125%
HK$80,960
baseline
▲ 0.50% · 4.625%
HK$85,887
+HK$4,927/mo
Deposit HK$16.70M · loan HK$16.70M · min. income ≈ HK$161,920/mo (50% DSR)
Upfront cash ≈ HK$18.12M (deposit + AVD stamp duty HK$1,419,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,753
−HK$4,579/mo
▼ 0.25% · 3.875%
HK$87,026
−HK$2,306/mo
Today · 4.125%
HK$89,332
baseline
▲ 0.50% · 4.625%
HK$94,041
+HK$4,709/mo
Deposit HK$16.70M · loan HK$16.70M · min. income ≈ HK$178,664/mo (50% DSR)
Upfront cash ≈ HK$18.12M (deposit + AVD stamp duty HK$1,419,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,420
−HK$5,733/mo
▼ 0.25% · 3.875%
HK$94,263
−HK$2,890/mo
Today · 4.125%
HK$97,153
baseline
▲ 0.50% · 4.625%
HK$103,064
+HK$5,911/mo
Deposit HK$13.36M · loan HK$20.05M · min. income ≈ HK$194,306/mo (50% DSR)
Upfront cash ≈ HK$14.78M (deposit + AVD stamp duty HK$1,419,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,704
−HK$5,494/mo
▼ 0.25% · 3.875%
HK$104,431
−HK$2,767/mo
Today · 4.125%
HK$107,198
baseline
▲ 0.50% · 4.625%
HK$112,849
+HK$5,651/mo
Deposit HK$13.36M · loan HK$20.05M · min. income ≈ HK$214,396/mo (50% DSR)
Upfront cash ≈ HK$14.78M (deposit + AVD stamp duty HK$1,419,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,656
−HK$6,689/mo
▼ 0.25% · 3.875%
HK$109,974
−HK$3,371/mo
Today · 4.125%
HK$113,345
baseline
▲ 0.50% · 4.625%
HK$120,241
+HK$6,896/mo
Deposit HK$10.02M · loan HK$23.39M · min. income ≈ HK$226,690/mo (50% DSR)
Upfront cash ≈ HK$11.44M (deposit + AVD stamp duty HK$1,419,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,654
−HK$6,411/mo
▼ 0.25% · 3.875%
HK$121,836
−HK$3,229/mo
Today · 4.125%
HK$125,065
baseline
▲ 0.50% · 4.625%
HK$131,657
+HK$6,592/mo
Deposit HK$10.02M · loan HK$23.39M · min. income ≈ HK$250,130/mo (50% DSR)
Upfront cash ≈ HK$11.44M (deposit + AVD stamp duty HK$1,419,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,130
−HK$8,599/mo
▼ 0.25% · 3.875%
HK$141,395
−HK$4,334/mo
Today · 4.125%
HK$145,729
baseline
▲ 0.50% · 4.625%
HK$154,596
+HK$8,867/mo
Deposit HK$3.34M · loan HK$30.07M · min. income ≈ HK$291,458/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$1,419,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,555
−HK$8,242/mo
▼ 0.25% · 3.875%
HK$156,647
−HK$4,150/mo
Today · 4.125%
HK$160,797
baseline
▲ 0.50% · 4.625%
HK$169,273
+HK$8,476/mo
Deposit HK$3.34M · loan HK$30.07M · min. income ≈ HK$321,594/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$1,419,921 · Scale 2, in force from 26 Feb 2026)