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$76,404
−HK$4,791/mo
▼ 0.25% · 3.875%
HK$78,780
−HK$2,415/mo
Today · 4.125%
HK$81,195
baseline
▲ 0.50% · 4.625%
HK$86,135
+HK$4,940/mo
Deposit HK$16.75M · loan HK$16.75M · min. income ≈ HK$162,390/mo (50% DSR)
Upfront cash ≈ HK$18.18M (deposit + AVD stamp duty HK$1,424,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,998
−HK$4,592/mo
▼ 0.25% · 3.875%
HK$87,278
−HK$2,312/mo
Today · 4.125%
HK$89,590
baseline
▲ 0.50% · 4.625%
HK$94,313
+HK$4,723/mo
Deposit HK$16.75M · loan HK$16.75M · min. income ≈ HK$179,180/mo (50% DSR)
Upfront cash ≈ HK$18.18M (deposit + AVD stamp duty HK$1,424,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,684
−HK$5,750/mo
▼ 0.25% · 3.875%
HK$94,536
−HK$2,898/mo
Today · 4.125%
HK$97,434
baseline
▲ 0.50% · 4.625%
HK$103,362
+HK$5,928/mo
Deposit HK$13.40M · loan HK$20.10M · min. income ≈ HK$194,868/mo (50% DSR)
Upfront cash ≈ HK$14.83M (deposit + AVD stamp duty HK$1,424,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,998
−HK$5,511/mo
▼ 0.25% · 3.875%
HK$104,733
−HK$2,776/mo
Today · 4.125%
HK$107,509
baseline
▲ 0.50% · 4.625%
HK$113,175
+HK$5,666/mo
Deposit HK$13.40M · loan HK$20.10M · min. income ≈ HK$215,018/mo (50% DSR)
Upfront cash ≈ HK$14.83M (deposit + AVD stamp duty HK$1,424,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,965
−HK$6,708/mo
▼ 0.25% · 3.875%
HK$110,292
−HK$3,381/mo
Today · 4.125%
HK$113,673
baseline
▲ 0.50% · 4.625%
HK$120,589
+HK$6,916/mo
Deposit HK$10.05M · loan HK$23.45M · min. income ≈ HK$227,346/mo (50% DSR)
Upfront cash ≈ HK$11.48M (deposit + AVD stamp duty HK$1,424,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,998
−HK$6,429/mo
▼ 0.25% · 3.875%
HK$122,189
−HK$3,238/mo
Today · 4.125%
HK$125,427
baseline
▲ 0.50% · 4.625%
HK$132,038
+HK$6,611/mo
Deposit HK$10.05M · loan HK$23.45M · min. income ≈ HK$250,854/mo (50% DSR)
Upfront cash ≈ HK$11.48M (deposit + AVD stamp duty HK$1,424,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,527
−HK$8,624/mo
▼ 0.25% · 3.875%
HK$141,804
−HK$4,347/mo
Today · 4.125%
HK$146,151
baseline
▲ 0.50% · 4.625%
HK$155,044
+HK$8,893/mo
Deposit HK$3.35M · loan HK$30.16M · min. income ≈ HK$292,302/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$1,424,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,997
−HK$8,266/mo
▼ 0.25% · 3.875%
HK$157,100
−HK$4,163/mo
Today · 4.125%
HK$161,263
baseline
▲ 0.50% · 4.625%
HK$169,763
+HK$8,500/mo
Deposit HK$3.35M · loan HK$30.16M · min. income ≈ HK$322,526/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$1,424,031 · Scale 2, in force from 26 Feb 2026)