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$76,129
−HK$4,774/mo
▼ 0.25% · 3.875%
HK$78,497
−HK$2,406/mo
Today · 4.125%
HK$80,903
baseline
▲ 0.50% · 4.625%
HK$85,826
+HK$4,923/mo
Deposit HK$16.69M · loan HK$16.69M · min. income ≈ HK$161,806/mo (50% DSR)
Upfront cash ≈ HK$18.11M (deposit + AVD stamp duty HK$1,418,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,693
−HK$4,575/mo
▼ 0.25% · 3.875%
HK$86,964
−HK$2,304/mo
Today · 4.125%
HK$89,268
baseline
▲ 0.50% · 4.625%
HK$93,974
+HK$4,706/mo
Deposit HK$16.69M · loan HK$16.69M · min. income ≈ HK$178,536/mo (50% DSR)
Upfront cash ≈ HK$18.11M (deposit + AVD stamp duty HK$1,418,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,355
−HK$5,728/mo
▼ 0.25% · 3.875%
HK$94,196
−HK$2,887/mo
Today · 4.125%
HK$97,083
baseline
▲ 0.50% · 4.625%
HK$102,991
+HK$5,908/mo
Deposit HK$13.35M · loan HK$20.03M · min. income ≈ HK$194,166/mo (50% DSR)
Upfront cash ≈ HK$14.77M (deposit + AVD stamp duty HK$1,418,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,631
−HK$5,491/mo
▼ 0.25% · 3.875%
HK$104,357
−HK$2,765/mo
Today · 4.125%
HK$107,122
baseline
▲ 0.50% · 4.625%
HK$112,768
+HK$5,646/mo
Deposit HK$13.35M · loan HK$20.03M · min. income ≈ HK$214,244/mo (50% DSR)
Upfront cash ≈ HK$14.77M (deposit + AVD stamp duty HK$1,418,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,580
−HK$6,684/mo
▼ 0.25% · 3.875%
HK$109,896
−HK$3,368/mo
Today · 4.125%
HK$113,264
baseline
▲ 0.50% · 4.625%
HK$120,156
+HK$6,892/mo
Deposit HK$10.02M · loan HK$23.37M · min. income ≈ HK$226,528/mo (50% DSR)
Upfront cash ≈ HK$11.43M (deposit + AVD stamp duty HK$1,418,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,570
−HK$6,406/mo
▼ 0.25% · 3.875%
HK$121,750
−HK$3,226/mo
Today · 4.125%
HK$124,976
baseline
▲ 0.50% · 4.625%
HK$131,563
+HK$6,587/mo
Deposit HK$10.02M · loan HK$23.37M · min. income ≈ HK$249,952/mo (50% DSR)
Upfront cash ≈ HK$11.43M (deposit + AVD stamp duty HK$1,418,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,032
−HK$8,593/mo
▼ 0.25% · 3.875%
HK$141,294
−HK$4,331/mo
Today · 4.125%
HK$145,625
baseline
▲ 0.50% · 4.625%
HK$154,486
+HK$8,861/mo
Deposit HK$3.34M · loan HK$30.05M · min. income ≈ HK$291,250/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$1,418,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,447
−HK$8,236/mo
▼ 0.25% · 3.875%
HK$156,535
−HK$4,148/mo
Today · 4.125%
HK$160,683
baseline
▲ 0.50% · 4.625%
HK$169,153
+HK$8,470/mo
Deposit HK$3.34M · loan HK$30.05M · min. income ≈ HK$321,366/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$1,418,909 · Scale 2, in force from 26 Feb 2026)