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$76,018
−HK$4,767/mo
▼ 0.25% · 3.875%
HK$78,382
−HK$2,403/mo
Today · 4.125%
HK$80,785
baseline
▲ 0.50% · 4.625%
HK$85,700
+HK$4,915/mo
Deposit HK$16.67M · loan HK$16.67M · min. income ≈ HK$161,570/mo (50% DSR)
Upfront cash ≈ HK$18.09M (deposit + AVD stamp duty HK$1,416,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,569
−HK$4,569/mo
▼ 0.25% · 3.875%
HK$86,837
−HK$2,301/mo
Today · 4.125%
HK$89,138
baseline
▲ 0.50% · 4.625%
HK$93,836
+HK$4,698/mo
Deposit HK$16.67M · loan HK$16.67M · min. income ≈ HK$178,276/mo (50% DSR)
Upfront cash ≈ HK$18.09M (deposit + AVD stamp duty HK$1,416,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,221
−HK$5,721/mo
▼ 0.25% · 3.875%
HK$94,059
−HK$2,883/mo
Today · 4.125%
HK$96,942
baseline
▲ 0.50% · 4.625%
HK$102,840
+HK$5,898/mo
Deposit HK$13.33M · loan HK$20.00M · min. income ≈ HK$193,884/mo (50% DSR)
Upfront cash ≈ HK$14.75M (deposit + AVD stamp duty HK$1,416,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,483
−HK$5,482/mo
▼ 0.25% · 3.875%
HK$104,204
−HK$2,761/mo
Today · 4.125%
HK$106,965
baseline
▲ 0.50% · 4.625%
HK$112,604
+HK$5,639/mo
Deposit HK$13.33M · loan HK$20.00M · min. income ≈ HK$213,930/mo (50% DSR)
Upfront cash ≈ HK$14.75M (deposit + AVD stamp duty HK$1,416,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,425
−HK$6,674/mo
▼ 0.25% · 3.875%
HK$109,735
−HK$3,364/mo
Today · 4.125%
HK$113,099
baseline
▲ 0.50% · 4.625%
HK$119,980
+HK$6,881/mo
Deposit HK$10.00M · loan HK$23.34M · min. income ≈ HK$226,198/mo (50% DSR)
Upfront cash ≈ HK$11.42M (deposit + AVD stamp duty HK$1,416,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,396
−HK$6,397/mo
▼ 0.25% · 3.875%
HK$121,572
−HK$3,221/mo
Today · 4.125%
HK$124,793
baseline
▲ 0.50% · 4.625%
HK$131,371
+HK$6,578/mo
Deposit HK$10.00M · loan HK$23.34M · min. income ≈ HK$249,586/mo (50% DSR)
Upfront cash ≈ HK$11.42M (deposit + AVD stamp duty HK$1,416,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,832
−HK$8,580/mo
▼ 0.25% · 3.875%
HK$141,088
−HK$4,324/mo
Today · 4.125%
HK$145,412
baseline
▲ 0.50% · 4.625%
HK$154,260
+HK$8,848/mo
Deposit HK$3.33M · loan HK$30.00M · min. income ≈ HK$290,824/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$1,416,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,224
−HK$8,224/mo
▼ 0.25% · 3.875%
HK$156,307
−HK$4,141/mo
Today · 4.125%
HK$160,448
baseline
▲ 0.50% · 4.625%
HK$168,906
+HK$8,458/mo
Deposit HK$3.33M · loan HK$30.00M · min. income ≈ HK$320,896/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$1,416,837 · Scale 2, in force from 26 Feb 2026)