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$76,169
−HK$4,777/mo
▼ 0.25% · 3.875%
HK$78,539
−HK$2,407/mo
Today · 4.125%
HK$80,946
baseline
▲ 0.50% · 4.625%
HK$85,871
+HK$4,925/mo
Deposit HK$16.70M · loan HK$16.70M · min. income ≈ HK$161,892/mo (50% DSR)
Upfront cash ≈ HK$18.12M (deposit + AVD stamp duty HK$1,419,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,738
−HK$4,578/mo
▼ 0.25% · 3.875%
HK$87,010
−HK$2,306/mo
Today · 4.125%
HK$89,316
baseline
▲ 0.50% · 4.625%
HK$94,024
+HK$4,708/mo
Deposit HK$16.70M · loan HK$16.70M · min. income ≈ HK$178,632/mo (50% DSR)
Upfront cash ≈ HK$18.12M (deposit + AVD stamp duty HK$1,419,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,403
−HK$5,732/mo
▼ 0.25% · 3.875%
HK$94,247
−HK$2,888/mo
Today · 4.125%
HK$97,135
baseline
▲ 0.50% · 4.625%
HK$103,046
+HK$5,911/mo
Deposit HK$13.36M · loan HK$20.04M · min. income ≈ HK$194,270/mo (50% DSR)
Upfront cash ≈ HK$14.78M (deposit + AVD stamp duty HK$1,419,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,685
−HK$5,494/mo
▼ 0.25% · 3.875%
HK$104,412
−HK$2,767/mo
Today · 4.125%
HK$107,179
baseline
▲ 0.50% · 4.625%
HK$112,829
+HK$5,650/mo
Deposit HK$13.36M · loan HK$20.04M · min. income ≈ HK$214,358/mo (50% DSR)
Upfront cash ≈ HK$14.78M (deposit + AVD stamp duty HK$1,419,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,637
−HK$6,687/mo
▼ 0.25% · 3.875%
HK$109,954
−HK$3,370/mo
Today · 4.125%
HK$113,324
baseline
▲ 0.50% · 4.625%
HK$120,220
+HK$6,896/mo
Deposit HK$10.02M · loan HK$23.38M · min. income ≈ HK$226,648/mo (50% DSR)
Upfront cash ≈ HK$11.44M (deposit + AVD stamp duty HK$1,419,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,633
−HK$6,409/mo
▼ 0.25% · 3.875%
HK$121,815
−HK$3,227/mo
Today · 4.125%
HK$125,042
baseline
▲ 0.50% · 4.625%
HK$131,633
+HK$6,591/mo
Deposit HK$10.02M · loan HK$23.38M · min. income ≈ HK$250,084/mo (50% DSR)
Upfront cash ≈ HK$11.44M (deposit + AVD stamp duty HK$1,419,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,105
−HK$8,598/mo
▼ 0.25% · 3.875%
HK$141,370
−HK$4,333/mo
Today · 4.125%
HK$145,703
baseline
▲ 0.50% · 4.625%
HK$154,568
+HK$8,865/mo
Deposit HK$3.34M · loan HK$30.06M · min. income ≈ HK$291,406/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$1,419,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,528
−HK$8,241/mo
▼ 0.25% · 3.875%
HK$156,619
−HK$4,150/mo
Today · 4.125%
HK$160,769
baseline
▲ 0.50% · 4.625%
HK$169,243
+HK$8,474/mo
Deposit HK$3.34M · loan HK$30.06M · min. income ≈ HK$321,538/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$1,419,666 · Scale 2, in force from 26 Feb 2026)