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$75,236
−HK$4,718/mo
▼ 0.25% · 3.875%
HK$77,577
−HK$2,377/mo
Today · 4.125%
HK$79,954
baseline
▲ 0.50% · 4.625%
HK$84,820
+HK$4,866/mo
Deposit HK$16.50M · loan HK$16.50M · min. income ≈ HK$159,908/mo (50% DSR)
Upfront cash ≈ HK$17.90M (deposit + AVD stamp duty HK$1,402,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,700
−HK$4,522/mo
▼ 0.25% · 3.875%
HK$85,945
−HK$2,277/mo
Today · 4.125%
HK$88,222
baseline
▲ 0.50% · 4.625%
HK$92,872
+HK$4,650/mo
Deposit HK$16.50M · loan HK$16.50M · min. income ≈ HK$176,444/mo (50% DSR)
Upfront cash ≈ HK$17.90M (deposit + AVD stamp duty HK$1,402,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,284
−HK$5,661/mo
▼ 0.25% · 3.875%
HK$93,092
−HK$2,853/mo
Today · 4.125%
HK$95,945
baseline
▲ 0.50% · 4.625%
HK$101,783
+HK$5,838/mo
Deposit HK$13.20M · loan HK$19.80M · min. income ≈ HK$191,890/mo (50% DSR)
Upfront cash ≈ HK$14.60M (deposit + AVD stamp duty HK$1,402,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,440
−HK$5,426/mo
▼ 0.25% · 3.875%
HK$103,134
−HK$2,732/mo
Today · 4.125%
HK$105,866
baseline
▲ 0.50% · 4.625%
HK$111,447
+HK$5,581/mo
Deposit HK$13.20M · loan HK$19.80M · min. income ≈ HK$211,732/mo (50% DSR)
Upfront cash ≈ HK$14.60M (deposit + AVD stamp duty HK$1,402,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,331
−HK$6,605/mo
▼ 0.25% · 3.875%
HK$108,607
−HK$3,329/mo
Today · 4.125%
HK$111,936
baseline
▲ 0.50% · 4.625%
HK$118,747
+HK$6,811/mo
Deposit HK$9.90M · loan HK$23.10M · min. income ≈ HK$223,872/mo (50% DSR)
Upfront cash ≈ HK$11.30M (deposit + AVD stamp duty HK$1,402,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,180
−HK$6,331/mo
▼ 0.25% · 3.875%
HK$120,322
−HK$3,189/mo
Today · 4.125%
HK$123,511
baseline
▲ 0.50% · 4.625%
HK$130,021
+HK$6,510/mo
Deposit HK$9.90M · loan HK$23.10M · min. income ≈ HK$247,022/mo (50% DSR)
Upfront cash ≈ HK$11.30M (deposit + AVD stamp duty HK$1,402,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,426
−HK$8,492/mo
▼ 0.25% · 3.875%
HK$139,638
−HK$4,280/mo
Today · 4.125%
HK$143,918
baseline
▲ 0.50% · 4.625%
HK$152,675
+HK$8,757/mo
Deposit HK$3.30M · loan HK$29.70M · min. income ≈ HK$287,836/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$1,402,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,660
−HK$8,139/mo
▼ 0.25% · 3.875%
HK$154,700
−HK$4,099/mo
Today · 4.125%
HK$158,799
baseline
▲ 0.50% · 4.625%
HK$167,170
+HK$8,371/mo
Deposit HK$3.30M · loan HK$29.70M · min. income ≈ HK$317,598/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$1,402,277 · Scale 2, in force from 26 Feb 2026)