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$75,235
−HK$4,718/mo
▼ 0.25% · 3.875%
HK$77,576
−HK$2,377/mo
Today · 4.125%
HK$79,953
baseline
▲ 0.50% · 4.625%
HK$84,818
+HK$4,865/mo
Deposit HK$16.50M · loan HK$16.50M · min. income ≈ HK$159,906/mo (50% DSR)
Upfront cash ≈ HK$17.90M (deposit + AVD stamp duty HK$1,402,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,699
−HK$4,521/mo
▼ 0.25% · 3.875%
HK$85,943
−HK$2,277/mo
Today · 4.125%
HK$88,220
baseline
▲ 0.50% · 4.625%
HK$92,871
+HK$4,651/mo
Deposit HK$16.50M · loan HK$16.50M · min. income ≈ HK$176,440/mo (50% DSR)
Upfront cash ≈ HK$17.90M (deposit + AVD stamp duty HK$1,402,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,282
−HK$5,662/mo
▼ 0.25% · 3.875%
HK$93,091
−HK$2,853/mo
Today · 4.125%
HK$95,944
baseline
▲ 0.50% · 4.625%
HK$101,782
+HK$5,838/mo
Deposit HK$13.20M · loan HK$19.80M · min. income ≈ HK$191,888/mo (50% DSR)
Upfront cash ≈ HK$14.60M (deposit + AVD stamp duty HK$1,402,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,438
−HK$5,427/mo
▼ 0.25% · 3.875%
HK$103,132
−HK$2,733/mo
Today · 4.125%
HK$105,865
baseline
▲ 0.50% · 4.625%
HK$111,445
+HK$5,580/mo
Deposit HK$13.20M · loan HK$19.80M · min. income ≈ HK$211,730/mo (50% DSR)
Upfront cash ≈ HK$14.60M (deposit + AVD stamp duty HK$1,402,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,329
−HK$6,605/mo
▼ 0.25% · 3.875%
HK$108,606
−HK$3,328/mo
Today · 4.125%
HK$111,934
baseline
▲ 0.50% · 4.625%
HK$118,745
+HK$6,811/mo
Deposit HK$9.90M · loan HK$23.10M · min. income ≈ HK$223,868/mo (50% DSR)
Upfront cash ≈ HK$11.30M (deposit + AVD stamp duty HK$1,402,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,178
−HK$6,331/mo
▼ 0.25% · 3.875%
HK$120,321
−HK$3,188/mo
Today · 4.125%
HK$123,509
baseline
▲ 0.50% · 4.625%
HK$130,019
+HK$6,510/mo
Deposit HK$9.90M · loan HK$23.10M · min. income ≈ HK$247,018/mo (50% DSR)
Upfront cash ≈ HK$11.30M (deposit + AVD stamp duty HK$1,402,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,424
−HK$8,492/mo
▼ 0.25% · 3.875%
HK$139,636
−HK$4,280/mo
Today · 4.125%
HK$143,916
baseline
▲ 0.50% · 4.625%
HK$152,673
+HK$8,757/mo
Deposit HK$3.30M · loan HK$29.69M · min. income ≈ HK$287,832/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$1,402,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,657
−HK$8,140/mo
▼ 0.25% · 3.875%
HK$154,698
−HK$4,099/mo
Today · 4.125%
HK$158,797
baseline
▲ 0.50% · 4.625%
HK$167,167
+HK$8,370/mo
Deposit HK$3.30M · loan HK$29.69M · min. income ≈ HK$317,594/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$1,402,255 · Scale 2, in force from 26 Feb 2026)