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$76,598
−HK$4,803/mo
▼ 0.25% · 3.875%
HK$78,980
−HK$2,421/mo
Today · 4.125%
HK$81,401
baseline
▲ 0.50% · 4.625%
HK$86,354
+HK$4,953/mo
Deposit HK$16.80M · loan HK$16.80M · min. income ≈ HK$162,802/mo (50% DSR)
Upfront cash ≈ HK$18.22M (deposit + AVD stamp duty HK$1,427,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,214
−HK$4,604/mo
▼ 0.25% · 3.875%
HK$87,500
−HK$2,318/mo
Today · 4.125%
HK$89,818
baseline
▲ 0.50% · 4.625%
HK$94,552
+HK$4,734/mo
Deposit HK$16.80M · loan HK$16.80M · min. income ≈ HK$179,636/mo (50% DSR)
Upfront cash ≈ HK$18.22M (deposit + AVD stamp duty HK$1,427,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,917
−HK$5,764/mo
▼ 0.25% · 3.875%
HK$94,776
−HK$2,905/mo
Today · 4.125%
HK$97,681
baseline
▲ 0.50% · 4.625%
HK$103,625
+HK$5,944/mo
Deposit HK$13.44M · loan HK$20.16M · min. income ≈ HK$195,362/mo (50% DSR)
Upfront cash ≈ HK$14.86M (deposit + AVD stamp duty HK$1,427,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,257
−HK$5,525/mo
▼ 0.25% · 3.875%
HK$104,999
−HK$2,783/mo
Today · 4.125%
HK$107,782
baseline
▲ 0.50% · 4.625%
HK$113,463
+HK$5,681/mo
Deposit HK$13.44M · loan HK$20.16M · min. income ≈ HK$215,564/mo (50% DSR)
Upfront cash ≈ HK$14.86M (deposit + AVD stamp duty HK$1,427,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,237
−HK$6,724/mo
▼ 0.25% · 3.875%
HK$110,572
−HK$3,389/mo
Today · 4.125%
HK$113,961
baseline
▲ 0.50% · 4.625%
HK$120,896
+HK$6,935/mo
Deposit HK$10.08M · loan HK$23.51M · min. income ≈ HK$227,922/mo (50% DSR)
Upfront cash ≈ HK$11.51M (deposit + AVD stamp duty HK$1,427,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,300
−HK$6,445/mo
▼ 0.25% · 3.875%
HK$122,499
−HK$3,246/mo
Today · 4.125%
HK$125,745
baseline
▲ 0.50% · 4.625%
HK$132,373
+HK$6,628/mo
Deposit HK$10.08M · loan HK$23.51M · min. income ≈ HK$251,490/mo (50% DSR)
Upfront cash ≈ HK$11.51M (deposit + AVD stamp duty HK$1,427,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,876
−HK$8,646/mo
▼ 0.25% · 3.875%
HK$142,165
−HK$4,357/mo
Today · 4.125%
HK$146,522
baseline
▲ 0.50% · 4.625%
HK$155,437
+HK$8,915/mo
Deposit HK$3.36M · loan HK$30.23M · min. income ≈ HK$293,044/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$1,427,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,385
−HK$8,287/mo
▼ 0.25% · 3.875%
HK$157,499
−HK$4,173/mo
Today · 4.125%
HK$161,672
baseline
▲ 0.50% · 4.625%
HK$170,194
+HK$8,522/mo
Deposit HK$3.36M · loan HK$30.23M · min. income ≈ HK$323,344/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$1,427,648 · Scale 2, in force from 26 Feb 2026)