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$76,045
−HK$4,769/mo
▼ 0.25% · 3.875%
HK$78,411
−HK$2,403/mo
Today · 4.125%
HK$80,814
baseline
▲ 0.50% · 4.625%
HK$85,731
+HK$4,917/mo
Deposit HK$16.67M · loan HK$16.67M · min. income ≈ HK$161,628/mo (50% DSR)
Upfront cash ≈ HK$18.09M (deposit + AVD stamp duty HK$1,417,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,600
−HK$4,570/mo
▼ 0.25% · 3.875%
HK$86,869
−HK$2,301/mo
Today · 4.125%
HK$89,170
baseline
▲ 0.50% · 4.625%
HK$93,871
+HK$4,701/mo
Deposit HK$16.67M · loan HK$16.67M · min. income ≈ HK$178,340/mo (50% DSR)
Upfront cash ≈ HK$18.09M (deposit + AVD stamp duty HK$1,417,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,255
−HK$5,722/mo
▼ 0.25% · 3.875%
HK$94,093
−HK$2,884/mo
Today · 4.125%
HK$96,977
baseline
▲ 0.50% · 4.625%
HK$102,878
+HK$5,901/mo
Deposit HK$13.34M · loan HK$20.01M · min. income ≈ HK$193,954/mo (50% DSR)
Upfront cash ≈ HK$14.76M (deposit + AVD stamp duty HK$1,417,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,520
−HK$5,485/mo
▼ 0.25% · 3.875%
HK$104,242
−HK$2,763/mo
Today · 4.125%
HK$107,005
baseline
▲ 0.50% · 4.625%
HK$112,645
+HK$5,640/mo
Deposit HK$13.34M · loan HK$20.01M · min. income ≈ HK$214,010/mo (50% DSR)
Upfront cash ≈ HK$14.76M (deposit + AVD stamp duty HK$1,417,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,464
−HK$6,676/mo
▼ 0.25% · 3.875%
HK$109,775
−HK$3,365/mo
Today · 4.125%
HK$113,140
baseline
▲ 0.50% · 4.625%
HK$120,024
+HK$6,884/mo
Deposit HK$10.00M · loan HK$23.34M · min. income ≈ HK$226,280/mo (50% DSR)
Upfront cash ≈ HK$11.42M (deposit + AVD stamp duty HK$1,417,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,440
−HK$6,399/mo
▼ 0.25% · 3.875%
HK$121,616
−HK$3,223/mo
Today · 4.125%
HK$124,839
baseline
▲ 0.50% · 4.625%
HK$131,419
+HK$6,580/mo
Deposit HK$10.00M · loan HK$23.34M · min. income ≈ HK$249,678/mo (50% DSR)
Upfront cash ≈ HK$11.42M (deposit + AVD stamp duty HK$1,417,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,882
−HK$8,583/mo
▼ 0.25% · 3.875%
HK$141,140
−HK$4,325/mo
Today · 4.125%
HK$145,465
baseline
▲ 0.50% · 4.625%
HK$154,317
+HK$8,852/mo
Deposit HK$3.33M · loan HK$30.01M · min. income ≈ HK$290,930/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$1,417,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,280
−HK$8,227/mo
▼ 0.25% · 3.875%
HK$156,364
−HK$4,143/mo
Today · 4.125%
HK$160,507
baseline
▲ 0.50% · 4.625%
HK$168,967
+HK$8,460/mo
Deposit HK$3.33M · loan HK$30.01M · min. income ≈ HK$321,014/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$1,417,354 · Scale 2, in force from 26 Feb 2026)