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$75,268
−HK$4,720/mo
▼ 0.25% · 3.875%
HK$77,610
−HK$2,378/mo
Today · 4.125%
HK$79,988
baseline
▲ 0.50% · 4.625%
HK$84,856
+HK$4,868/mo
Deposit HK$16.50M · loan HK$16.50M · min. income ≈ HK$159,976/mo (50% DSR)
Upfront cash ≈ HK$17.91M (deposit + AVD stamp duty HK$1,402,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,735
−HK$4,524/mo
▼ 0.25% · 3.875%
HK$85,981
−HK$2,278/mo
Today · 4.125%
HK$88,259
baseline
▲ 0.50% · 4.625%
HK$92,912
+HK$4,653/mo
Deposit HK$16.50M · loan HK$16.50M · min. income ≈ HK$176,518/mo (50% DSR)
Upfront cash ≈ HK$17.91M (deposit + AVD stamp duty HK$1,402,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,322
−HK$5,664/mo
▼ 0.25% · 3.875%
HK$93,132
−HK$2,854/mo
Today · 4.125%
HK$95,986
baseline
▲ 0.50% · 4.625%
HK$101,827
+HK$5,841/mo
Deposit HK$13.20M · loan HK$19.81M · min. income ≈ HK$191,972/mo (50% DSR)
Upfront cash ≈ HK$14.61M (deposit + AVD stamp duty HK$1,402,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,482
−HK$5,429/mo
▼ 0.25% · 3.875%
HK$103,177
−HK$2,734/mo
Today · 4.125%
HK$105,911
baseline
▲ 0.50% · 4.625%
HK$111,494
+HK$5,583/mo
Deposit HK$13.20M · loan HK$19.81M · min. income ≈ HK$211,822/mo (50% DSR)
Upfront cash ≈ HK$14.61M (deposit + AVD stamp duty HK$1,402,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,376
−HK$6,608/mo
▼ 0.25% · 3.875%
HK$108,654
−HK$3,330/mo
Today · 4.125%
HK$111,984
baseline
▲ 0.50% · 4.625%
HK$118,798
+HK$6,814/mo
Deposit HK$9.90M · loan HK$23.11M · min. income ≈ HK$223,968/mo (50% DSR)
Upfront cash ≈ HK$11.31M (deposit + AVD stamp duty HK$1,402,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,230
−HK$6,333/mo
▼ 0.25% · 3.875%
HK$120,374
−HK$3,189/mo
Today · 4.125%
HK$123,563
baseline
▲ 0.50% · 4.625%
HK$130,076
+HK$6,513/mo
Deposit HK$9.90M · loan HK$23.11M · min. income ≈ HK$247,126/mo (50% DSR)
Upfront cash ≈ HK$11.31M (deposit + AVD stamp duty HK$1,402,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,483
−HK$8,496/mo
▼ 0.25% · 3.875%
HK$139,698
−HK$4,281/mo
Today · 4.125%
HK$143,979
baseline
▲ 0.50% · 4.625%
HK$152,740
+HK$8,761/mo
Deposit HK$3.30M · loan HK$29.71M · min. income ≈ HK$287,958/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$1,402,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,724
−HK$8,143/mo
▼ 0.25% · 3.875%
HK$154,766
−HK$4,101/mo
Today · 4.125%
HK$158,867
baseline
▲ 0.50% · 4.625%
HK$167,241
+HK$8,374/mo
Deposit HK$3.30M · loan HK$29.71M · min. income ≈ HK$317,734/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$1,402,873 · Scale 2, in force from 26 Feb 2026)