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$76,174
−HK$4,777/mo
▼ 0.25% · 3.875%
HK$78,544
−HK$2,407/mo
Today · 4.125%
HK$80,951
baseline
▲ 0.50% · 4.625%
HK$85,877
+HK$4,926/mo
Deposit HK$16.70M · loan HK$16.70M · min. income ≈ HK$161,902/mo (50% DSR)
Upfront cash ≈ HK$18.12M (deposit + AVD stamp duty HK$1,419,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,743
−HK$4,579/mo
▼ 0.25% · 3.875%
HK$87,016
−HK$2,306/mo
Today · 4.125%
HK$89,322
baseline
▲ 0.50% · 4.625%
HK$94,030
+HK$4,708/mo
Deposit HK$16.70M · loan HK$16.70M · min. income ≈ HK$178,644/mo (50% DSR)
Upfront cash ≈ HK$18.12M (deposit + AVD stamp duty HK$1,419,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,409
−HK$5,732/mo
▼ 0.25% · 3.875%
HK$94,253
−HK$2,888/mo
Today · 4.125%
HK$97,141
baseline
▲ 0.50% · 4.625%
HK$103,052
+HK$5,911/mo
Deposit HK$13.36M · loan HK$20.04M · min. income ≈ HK$194,282/mo (50% DSR)
Upfront cash ≈ HK$14.78M (deposit + AVD stamp duty HK$1,419,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,692
−HK$5,494/mo
▼ 0.25% · 3.875%
HK$104,419
−HK$2,767/mo
Today · 4.125%
HK$107,186
baseline
▲ 0.50% · 4.625%
HK$112,836
+HK$5,650/mo
Deposit HK$13.36M · loan HK$20.04M · min. income ≈ HK$214,372/mo (50% DSR)
Upfront cash ≈ HK$14.78M (deposit + AVD stamp duty HK$1,419,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,644
−HK$6,688/mo
▼ 0.25% · 3.875%
HK$109,961
−HK$3,371/mo
Today · 4.125%
HK$113,332
baseline
▲ 0.50% · 4.625%
HK$120,228
+HK$6,896/mo
Deposit HK$10.02M · loan HK$23.38M · min. income ≈ HK$226,664/mo (50% DSR)
Upfront cash ≈ HK$11.44M (deposit + AVD stamp duty HK$1,419,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,641
−HK$6,409/mo
▼ 0.25% · 3.875%
HK$121,822
−HK$3,228/mo
Today · 4.125%
HK$125,050
baseline
▲ 0.50% · 4.625%
HK$131,642
+HK$6,592/mo
Deposit HK$10.02M · loan HK$23.38M · min. income ≈ HK$250,100/mo (50% DSR)
Upfront cash ≈ HK$11.44M (deposit + AVD stamp duty HK$1,419,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,114
−HK$8,598/mo
▼ 0.25% · 3.875%
HK$141,379
−HK$4,333/mo
Today · 4.125%
HK$145,712
baseline
▲ 0.50% · 4.625%
HK$154,578
+HK$8,866/mo
Deposit HK$3.34M · loan HK$30.07M · min. income ≈ HK$291,424/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$1,419,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,538
−HK$8,241/mo
▼ 0.25% · 3.875%
HK$156,629
−HK$4,150/mo
Today · 4.125%
HK$160,779
baseline
▲ 0.50% · 4.625%
HK$169,254
+HK$8,475/mo
Deposit HK$3.34M · loan HK$30.07M · min. income ≈ HK$321,558/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$1,419,758 · Scale 2, in force from 26 Feb 2026)