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$76,142
−HK$4,775/mo
▼ 0.25% · 3.875%
HK$78,511
−HK$2,406/mo
Today · 4.125%
HK$80,917
baseline
▲ 0.50% · 4.625%
HK$85,841
+HK$4,924/mo
Deposit HK$16.70M · loan HK$16.70M · min. income ≈ HK$161,834/mo (50% DSR)
Upfront cash ≈ HK$18.12M (deposit + AVD stamp duty HK$1,419,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,708
−HK$4,576/mo
▼ 0.25% · 3.875%
HK$86,980
−HK$2,304/mo
Today · 4.125%
HK$89,284
baseline
▲ 0.50% · 4.625%
HK$93,991
+HK$4,707/mo
Deposit HK$16.70M · loan HK$16.70M · min. income ≈ HK$178,568/mo (50% DSR)
Upfront cash ≈ HK$18.12M (deposit + AVD stamp duty HK$1,419,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,371
−HK$5,730/mo
▼ 0.25% · 3.875%
HK$94,213
−HK$2,888/mo
Today · 4.125%
HK$97,101
baseline
▲ 0.50% · 4.625%
HK$103,009
+HK$5,908/mo
Deposit HK$13.36M · loan HK$20.04M · min. income ≈ HK$194,202/mo (50% DSR)
Upfront cash ≈ HK$14.78M (deposit + AVD stamp duty HK$1,419,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,649
−HK$5,492/mo
▼ 0.25% · 3.875%
HK$104,375
−HK$2,766/mo
Today · 4.125%
HK$107,141
baseline
▲ 0.50% · 4.625%
HK$112,789
+HK$5,648/mo
Deposit HK$13.36M · loan HK$20.04M · min. income ≈ HK$214,282/mo (50% DSR)
Upfront cash ≈ HK$14.78M (deposit + AVD stamp duty HK$1,419,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,599
−HK$6,685/mo
▼ 0.25% · 3.875%
HK$109,915
−HK$3,369/mo
Today · 4.125%
HK$113,284
baseline
▲ 0.50% · 4.625%
HK$120,177
+HK$6,893/mo
Deposit HK$10.02M · loan HK$23.37M · min. income ≈ HK$226,568/mo (50% DSR)
Upfront cash ≈ HK$11.44M (deposit + AVD stamp duty HK$1,419,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,591
−HK$6,407/mo
▼ 0.25% · 3.875%
HK$121,771
−HK$3,227/mo
Today · 4.125%
HK$124,998
baseline
▲ 0.50% · 4.625%
HK$131,587
+HK$6,589/mo
Deposit HK$10.02M · loan HK$23.37M · min. income ≈ HK$249,996/mo (50% DSR)
Upfront cash ≈ HK$11.44M (deposit + AVD stamp duty HK$1,419,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,056
−HK$8,595/mo
▼ 0.25% · 3.875%
HK$141,320
−HK$4,331/mo
Today · 4.125%
HK$145,651
baseline
▲ 0.50% · 4.625%
HK$154,514
+HK$8,863/mo
Deposit HK$3.34M · loan HK$30.05M · min. income ≈ HK$291,302/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$1,419,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,474
−HK$8,238/mo
▼ 0.25% · 3.875%
HK$156,563
−HK$4,149/mo
Today · 4.125%
HK$160,712
baseline
▲ 0.50% · 4.625%
HK$169,183
+HK$8,471/mo
Deposit HK$3.34M · loan HK$30.05M · min. income ≈ HK$321,424/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$1,419,163 · Scale 2, in force from 26 Feb 2026)