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$75,616
−HK$4,742/mo
▼ 0.25% · 3.875%
HK$77,968
−HK$2,390/mo
Today · 4.125%
HK$80,358
baseline
▲ 0.50% · 4.625%
HK$85,248
+HK$4,890/mo
Deposit HK$16.58M · loan HK$16.58M · min. income ≈ HK$160,716/mo (50% DSR)
Upfront cash ≈ HK$17.99M (deposit + AVD stamp duty HK$1,409,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,122
−HK$4,545/mo
▼ 0.25% · 3.875%
HK$86,379
−HK$2,288/mo
Today · 4.125%
HK$88,667
baseline
▲ 0.50% · 4.625%
HK$93,341
+HK$4,674/mo
Deposit HK$16.58M · loan HK$16.58M · min. income ≈ HK$177,334/mo (50% DSR)
Upfront cash ≈ HK$17.99M (deposit + AVD stamp duty HK$1,409,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,740
−HK$5,690/mo
▼ 0.25% · 3.875%
HK$93,562
−HK$2,868/mo
Today · 4.125%
HK$96,430
baseline
▲ 0.50% · 4.625%
HK$102,297
+HK$5,867/mo
Deposit HK$13.26M · loan HK$19.90M · min. income ≈ HK$192,860/mo (50% DSR)
Upfront cash ≈ HK$14.67M (deposit + AVD stamp duty HK$1,409,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,947
−HK$5,454/mo
▼ 0.25% · 3.875%
HK$103,654
−HK$2,747/mo
Today · 4.125%
HK$106,401
baseline
▲ 0.50% · 4.625%
HK$112,009
+HK$5,608/mo
Deposit HK$13.26M · loan HK$19.90M · min. income ≈ HK$212,802/mo (50% DSR)
Upfront cash ≈ HK$14.67M (deposit + AVD stamp duty HK$1,409,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,863
−HK$6,638/mo
▼ 0.25% · 3.875%
HK$109,156
−HK$3,345/mo
Today · 4.125%
HK$112,501
baseline
▲ 0.50% · 4.625%
HK$119,347
+HK$6,846/mo
Deposit HK$9.95M · loan HK$23.21M · min. income ≈ HK$225,002/mo (50% DSR)
Upfront cash ≈ HK$11.36M (deposit + AVD stamp duty HK$1,409,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,771
−HK$6,363/mo
▼ 0.25% · 3.875%
HK$120,930
−HK$3,204/mo
Today · 4.125%
HK$124,134
baseline
▲ 0.50% · 4.625%
HK$130,677
+HK$6,543/mo
Deposit HK$9.95M · loan HK$23.21M · min. income ≈ HK$248,268/mo (50% DSR)
Upfront cash ≈ HK$11.36M (deposit + AVD stamp duty HK$1,409,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,109
−HK$8,536/mo
▼ 0.25% · 3.875%
HK$140,343
−HK$4,302/mo
Today · 4.125%
HK$144,645
baseline
▲ 0.50% · 4.625%
HK$153,446
+HK$8,801/mo
Deposit HK$3.32M · loan HK$29.85M · min. income ≈ HK$289,290/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$1,409,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,420
−HK$8,181/mo
▼ 0.25% · 3.875%
HK$155,481
−HK$4,120/mo
Today · 4.125%
HK$159,601
baseline
▲ 0.50% · 4.625%
HK$168,014
+HK$8,413/mo
Deposit HK$3.32M · loan HK$29.85M · min. income ≈ HK$319,202/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$1,409,356 · Scale 2, in force from 26 Feb 2026)