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$76,130
−HK$4,774/mo
▼ 0.25% · 3.875%
HK$78,498
−HK$2,406/mo
Today · 4.125%
HK$80,904
baseline
▲ 0.50% · 4.625%
HK$85,826
+HK$4,922/mo
Deposit HK$16.69M · loan HK$16.69M · min. income ≈ HK$161,808/mo (50% DSR)
Upfront cash ≈ HK$18.11M (deposit + AVD stamp duty HK$1,418,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,693
−HK$4,576/mo
▼ 0.25% · 3.875%
HK$86,965
−HK$2,304/mo
Today · 4.125%
HK$89,269
baseline
▲ 0.50% · 4.625%
HK$93,975
+HK$4,706/mo
Deposit HK$16.69M · loan HK$16.69M · min. income ≈ HK$178,538/mo (50% DSR)
Upfront cash ≈ HK$18.11M (deposit + AVD stamp duty HK$1,418,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,356
−HK$5,728/mo
▼ 0.25% · 3.875%
HK$94,197
−HK$2,887/mo
Today · 4.125%
HK$97,084
baseline
▲ 0.50% · 4.625%
HK$102,992
+HK$5,908/mo
Deposit HK$13.35M · loan HK$20.03M · min. income ≈ HK$194,168/mo (50% DSR)
Upfront cash ≈ HK$14.77M (deposit + AVD stamp duty HK$1,418,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,632
−HK$5,491/mo
▼ 0.25% · 3.875%
HK$104,358
−HK$2,765/mo
Today · 4.125%
HK$107,123
baseline
▲ 0.50% · 4.625%
HK$112,770
+HK$5,647/mo
Deposit HK$13.35M · loan HK$20.03M · min. income ≈ HK$214,246/mo (50% DSR)
Upfront cash ≈ HK$14.77M (deposit + AVD stamp duty HK$1,418,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,581
−HK$6,684/mo
▼ 0.25% · 3.875%
HK$109,897
−HK$3,368/mo
Today · 4.125%
HK$113,265
baseline
▲ 0.50% · 4.625%
HK$120,157
+HK$6,892/mo
Deposit HK$10.02M · loan HK$23.37M · min. income ≈ HK$226,530/mo (50% DSR)
Upfront cash ≈ HK$11.43M (deposit + AVD stamp duty HK$1,418,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,571
−HK$6,406/mo
▼ 0.25% · 3.875%
HK$121,751
−HK$3,226/mo
Today · 4.125%
HK$124,977
baseline
▲ 0.50% · 4.625%
HK$131,565
+HK$6,588/mo
Deposit HK$10.02M · loan HK$23.37M · min. income ≈ HK$249,954/mo (50% DSR)
Upfront cash ≈ HK$11.43M (deposit + AVD stamp duty HK$1,418,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,033
−HK$8,594/mo
▼ 0.25% · 3.875%
HK$141,296
−HK$4,331/mo
Today · 4.125%
HK$145,627
baseline
▲ 0.50% · 4.625%
HK$154,488
+HK$8,861/mo
Deposit HK$3.34M · loan HK$30.05M · min. income ≈ HK$291,254/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$1,418,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,448
−HK$8,236/mo
▼ 0.25% · 3.875%
HK$156,537
−HK$4,147/mo
Today · 4.125%
HK$160,684
baseline
▲ 0.50% · 4.625%
HK$169,154
+HK$8,470/mo
Deposit HK$3.34M · loan HK$30.05M · min. income ≈ HK$321,368/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$1,418,924 · Scale 2, in force from 26 Feb 2026)