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$75,936
−HK$4,762/mo
▼ 0.25% · 3.875%
HK$78,298
−HK$2,400/mo
Today · 4.125%
HK$80,698
baseline
▲ 0.50% · 4.625%
HK$85,608
+HK$4,910/mo
Deposit HK$16.65M · loan HK$16.65M · min. income ≈ HK$161,396/mo (50% DSR)
Upfront cash ≈ HK$18.07M (deposit + AVD stamp duty HK$1,415,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,478
−HK$4,564/mo
▼ 0.25% · 3.875%
HK$86,744
−HK$2,298/mo
Today · 4.125%
HK$89,042
baseline
▲ 0.50% · 4.625%
HK$93,736
+HK$4,694/mo
Deposit HK$16.65M · loan HK$16.65M · min. income ≈ HK$178,084/mo (50% DSR)
Upfront cash ≈ HK$18.07M (deposit + AVD stamp duty HK$1,415,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,123
−HK$5,714/mo
▼ 0.25% · 3.875%
HK$93,958
−HK$2,879/mo
Today · 4.125%
HK$96,837
baseline
▲ 0.50% · 4.625%
HK$102,730
+HK$5,893/mo
Deposit HK$13.32M · loan HK$19.98M · min. income ≈ HK$193,674/mo (50% DSR)
Upfront cash ≈ HK$14.74M (deposit + AVD stamp duty HK$1,415,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,374
−HK$5,477/mo
▼ 0.25% · 3.875%
HK$104,092
−HK$2,759/mo
Today · 4.125%
HK$106,851
baseline
▲ 0.50% · 4.625%
HK$112,483
+HK$5,632/mo
Deposit HK$13.32M · loan HK$19.98M · min. income ≈ HK$213,702/mo (50% DSR)
Upfront cash ≈ HK$14.74M (deposit + AVD stamp duty HK$1,415,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,310
−HK$6,667/mo
▼ 0.25% · 3.875%
HK$109,617
−HK$3,360/mo
Today · 4.125%
HK$112,977
baseline
▲ 0.50% · 4.625%
HK$119,851
+HK$6,874/mo
Deposit HK$9.99M · loan HK$23.31M · min. income ≈ HK$225,954/mo (50% DSR)
Upfront cash ≈ HK$11.41M (deposit + AVD stamp duty HK$1,415,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,269
−HK$6,390/mo
▼ 0.25% · 3.875%
HK$121,441
−HK$3,218/mo
Today · 4.125%
HK$124,659
baseline
▲ 0.50% · 4.625%
HK$131,230
+HK$6,571/mo
Deposit HK$9.99M · loan HK$23.31M · min. income ≈ HK$249,318/mo (50% DSR)
Upfront cash ≈ HK$11.41M (deposit + AVD stamp duty HK$1,415,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,685
−HK$8,571/mo
▼ 0.25% · 3.875%
HK$140,937
−HK$4,319/mo
Today · 4.125%
HK$145,256
baseline
▲ 0.50% · 4.625%
HK$154,095
+HK$8,839/mo
Deposit HK$3.33M · loan HK$29.97M · min. income ≈ HK$290,512/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$1,415,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,061
−HK$8,215/mo
▼ 0.25% · 3.875%
HK$156,139
−HK$4,137/mo
Today · 4.125%
HK$160,276
baseline
▲ 0.50% · 4.625%
HK$168,724
+HK$8,448/mo
Deposit HK$3.33M · loan HK$29.97M · min. income ≈ HK$320,552/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$1,415,315 · Scale 2, in force from 26 Feb 2026)