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$75,649
−HK$4,744/mo
▼ 0.25% · 3.875%
HK$78,003
−HK$2,390/mo
Today · 4.125%
HK$80,393
baseline
▲ 0.50% · 4.625%
HK$85,285
+HK$4,892/mo
Deposit HK$16.59M · loan HK$16.59M · min. income ≈ HK$160,786/mo (50% DSR)
Upfront cash ≈ HK$18.00M (deposit + AVD stamp duty HK$1,409,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,159
−HK$4,547/mo
▼ 0.25% · 3.875%
HK$86,416
−HK$2,290/mo
Today · 4.125%
HK$88,706
baseline
▲ 0.50% · 4.625%
HK$93,382
+HK$4,676/mo
Deposit HK$16.59M · loan HK$16.59M · min. income ≈ HK$177,412/mo (50% DSR)
Upfront cash ≈ HK$18.00M (deposit + AVD stamp duty HK$1,409,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,779
−HK$5,693/mo
▼ 0.25% · 3.875%
HK$93,603
−HK$2,869/mo
Today · 4.125%
HK$96,472
baseline
▲ 0.50% · 4.625%
HK$102,342
+HK$5,870/mo
Deposit HK$13.27M · loan HK$19.91M · min. income ≈ HK$192,944/mo (50% DSR)
Upfront cash ≈ HK$14.68M (deposit + AVD stamp duty HK$1,409,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,991
−HK$5,456/mo
▼ 0.25% · 3.875%
HK$103,700
−HK$2,747/mo
Today · 4.125%
HK$106,447
baseline
▲ 0.50% · 4.625%
HK$112,058
+HK$5,611/mo
Deposit HK$13.27M · loan HK$19.91M · min. income ≈ HK$212,894/mo (50% DSR)
Upfront cash ≈ HK$14.68M (deposit + AVD stamp duty HK$1,409,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,909
−HK$6,642/mo
▼ 0.25% · 3.875%
HK$109,204
−HK$3,347/mo
Today · 4.125%
HK$112,551
baseline
▲ 0.50% · 4.625%
HK$119,399
+HK$6,848/mo
Deposit HK$9.95M · loan HK$23.22M · min. income ≈ HK$225,102/mo (50% DSR)
Upfront cash ≈ HK$11.36M (deposit + AVD stamp duty HK$1,409,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,823
−HK$6,366/mo
▼ 0.25% · 3.875%
HK$120,983
−HK$3,206/mo
Today · 4.125%
HK$124,189
baseline
▲ 0.50% · 4.625%
HK$130,735
+HK$6,546/mo
Deposit HK$9.95M · loan HK$23.22M · min. income ≈ HK$248,378/mo (50% DSR)
Upfront cash ≈ HK$11.36M (deposit + AVD stamp duty HK$1,409,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,169
−HK$8,539/mo
▼ 0.25% · 3.875%
HK$140,405
−HK$4,303/mo
Today · 4.125%
HK$144,708
baseline
▲ 0.50% · 4.625%
HK$153,513
+HK$8,805/mo
Deposit HK$3.32M · loan HK$29.86M · min. income ≈ HK$289,416/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$1,409,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,487
−HK$8,184/mo
▼ 0.25% · 3.875%
HK$155,549
−HK$4,122/mo
Today · 4.125%
HK$159,671
baseline
▲ 0.50% · 4.625%
HK$168,088
+HK$8,417/mo
Deposit HK$3.32M · loan HK$29.86M · min. income ≈ HK$319,342/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$1,409,975 · Scale 2, in force from 26 Feb 2026)