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$76,073
−HK$4,770/mo
▼ 0.25% · 3.875%
HK$78,439
−HK$2,404/mo
Today · 4.125%
HK$80,843
baseline
▲ 0.50% · 4.625%
HK$85,762
+HK$4,919/mo
Deposit HK$16.68M · loan HK$16.68M · min. income ≈ HK$161,686/mo (50% DSR)
Upfront cash ≈ HK$18.10M (deposit + AVD stamp duty HK$1,417,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,630
−HK$4,572/mo
▼ 0.25% · 3.875%
HK$86,900
−HK$2,302/mo
Today · 4.125%
HK$89,202
baseline
▲ 0.50% · 4.625%
HK$93,904
+HK$4,702/mo
Deposit HK$16.68M · loan HK$16.68M · min. income ≈ HK$178,404/mo (50% DSR)
Upfront cash ≈ HK$18.10M (deposit + AVD stamp duty HK$1,417,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,287
−HK$5,725/mo
▼ 0.25% · 3.875%
HK$94,127
−HK$2,885/mo
Today · 4.125%
HK$97,012
baseline
▲ 0.50% · 4.625%
HK$102,915
+HK$5,903/mo
Deposit HK$13.34M · loan HK$20.02M · min. income ≈ HK$194,024/mo (50% DSR)
Upfront cash ≈ HK$14.76M (deposit + AVD stamp duty HK$1,417,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,556
−HK$5,487/mo
▼ 0.25% · 3.875%
HK$104,280
−HK$2,763/mo
Today · 4.125%
HK$107,043
baseline
▲ 0.50% · 4.625%
HK$112,685
+HK$5,642/mo
Deposit HK$13.34M · loan HK$20.02M · min. income ≈ HK$214,086/mo (50% DSR)
Upfront cash ≈ HK$14.76M (deposit + AVD stamp duty HK$1,417,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,502
−HK$6,678/mo
▼ 0.25% · 3.875%
HK$109,814
−HK$3,366/mo
Today · 4.125%
HK$113,180
baseline
▲ 0.50% · 4.625%
HK$120,067
+HK$6,887/mo
Deposit HK$10.01M · loan HK$23.35M · min. income ≈ HK$226,360/mo (50% DSR)
Upfront cash ≈ HK$11.43M (deposit + AVD stamp duty HK$1,417,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,482
−HK$6,401/mo
▼ 0.25% · 3.875%
HK$121,660
−HK$3,223/mo
Today · 4.125%
HK$124,883
baseline
▲ 0.50% · 4.625%
HK$131,466
+HK$6,583/mo
Deposit HK$10.01M · loan HK$23.35M · min. income ≈ HK$249,766/mo (50% DSR)
Upfront cash ≈ HK$11.43M (deposit + AVD stamp duty HK$1,417,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,931
−HK$8,586/mo
▼ 0.25% · 3.875%
HK$141,190
−HK$4,327/mo
Today · 4.125%
HK$145,517
baseline
▲ 0.50% · 4.625%
HK$154,372
+HK$8,855/mo
Deposit HK$3.34M · loan HK$30.03M · min. income ≈ HK$291,034/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$1,417,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,334
−HK$8,230/mo
▼ 0.25% · 3.875%
HK$156,419
−HK$4,145/mo
Today · 4.125%
HK$160,564
baseline
▲ 0.50% · 4.625%
HK$169,028
+HK$8,464/mo
Deposit HK$3.34M · loan HK$30.03M · min. income ≈ HK$321,128/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$1,417,860 · Scale 2, in force from 26 Feb 2026)