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$75,244
−HK$4,719/mo
▼ 0.25% · 3.875%
HK$77,585
−HK$2,378/mo
Today · 4.125%
HK$79,963
baseline
▲ 0.50% · 4.625%
HK$84,828
+HK$4,865/mo
Deposit HK$16.50M · loan HK$16.50M · min. income ≈ HK$159,926/mo (50% DSR)
Upfront cash ≈ HK$17.90M (deposit + AVD stamp duty HK$1,402,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,708
−HK$4,523/mo
▼ 0.25% · 3.875%
HK$85,953
−HK$2,278/mo
Today · 4.125%
HK$88,231
baseline
▲ 0.50% · 4.625%
HK$92,882
+HK$4,651/mo
Deposit HK$16.50M · loan HK$16.50M · min. income ≈ HK$176,462/mo (50% DSR)
Upfront cash ≈ HK$17.90M (deposit + AVD stamp duty HK$1,402,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,293
−HK$5,662/mo
▼ 0.25% · 3.875%
HK$93,102
−HK$2,853/mo
Today · 4.125%
HK$95,955
baseline
▲ 0.50% · 4.625%
HK$101,794
+HK$5,839/mo
Deposit HK$13.20M · loan HK$19.80M · min. income ≈ HK$191,910/mo (50% DSR)
Upfront cash ≈ HK$14.60M (deposit + AVD stamp duty HK$1,402,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,450
−HK$5,427/mo
▼ 0.25% · 3.875%
HK$103,144
−HK$2,733/mo
Today · 4.125%
HK$105,877
baseline
▲ 0.50% · 4.625%
HK$111,458
+HK$5,581/mo
Deposit HK$13.20M · loan HK$19.80M · min. income ≈ HK$211,754/mo (50% DSR)
Upfront cash ≈ HK$14.60M (deposit + AVD stamp duty HK$1,402,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,342
−HK$6,606/mo
▼ 0.25% · 3.875%
HK$108,619
−HK$3,329/mo
Today · 4.125%
HK$111,948
baseline
▲ 0.50% · 4.625%
HK$118,759
+HK$6,811/mo
Deposit HK$9.90M · loan HK$23.10M · min. income ≈ HK$223,896/mo (50% DSR)
Upfront cash ≈ HK$11.30M (deposit + AVD stamp duty HK$1,402,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,192
−HK$6,331/mo
▼ 0.25% · 3.875%
HK$120,335
−HK$3,188/mo
Today · 4.125%
HK$123,523
baseline
▲ 0.50% · 4.625%
HK$130,034
+HK$6,511/mo
Deposit HK$9.90M · loan HK$23.10M · min. income ≈ HK$247,046/mo (50% DSR)
Upfront cash ≈ HK$11.30M (deposit + AVD stamp duty HK$1,402,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,439
−HK$8,494/mo
▼ 0.25% · 3.875%
HK$139,652
−HK$4,281/mo
Today · 4.125%
HK$143,933
baseline
▲ 0.50% · 4.625%
HK$152,691
+HK$8,758/mo
Deposit HK$3.30M · loan HK$29.70M · min. income ≈ HK$287,866/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$1,402,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,675
−HK$8,141/mo
▼ 0.25% · 3.875%
HK$154,716
−HK$4,100/mo
Today · 4.125%
HK$158,816
baseline
▲ 0.50% · 4.625%
HK$167,187
+HK$8,371/mo
Deposit HK$3.30M · loan HK$29.70M · min. income ≈ HK$317,632/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$1,402,420 · Scale 2, in force from 26 Feb 2026)