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$75,718
−HK$4,748/mo
▼ 0.25% · 3.875%
HK$78,073
−HK$2,393/mo
Today · 4.125%
HK$80,466
baseline
▲ 0.50% · 4.625%
HK$85,362
+HK$4,896/mo
Deposit HK$16.60M · loan HK$16.60M · min. income ≈ HK$160,932/mo (50% DSR)
Upfront cash ≈ HK$18.01M (deposit + AVD stamp duty HK$1,411,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,236
−HK$4,551/mo
▼ 0.25% · 3.875%
HK$86,495
−HK$2,292/mo
Today · 4.125%
HK$88,787
baseline
▲ 0.50% · 4.625%
HK$93,467
+HK$4,680/mo
Deposit HK$16.60M · loan HK$16.60M · min. income ≈ HK$177,574/mo (50% DSR)
Upfront cash ≈ HK$18.01M (deposit + AVD stamp duty HK$1,411,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,862
−HK$5,698/mo
▼ 0.25% · 3.875%
HK$93,688
−HK$2,872/mo
Today · 4.125%
HK$96,560
baseline
▲ 0.50% · 4.625%
HK$102,435
+HK$5,875/mo
Deposit HK$13.28M · loan HK$19.92M · min. income ≈ HK$193,120/mo (50% DSR)
Upfront cash ≈ HK$14.69M (deposit + AVD stamp duty HK$1,411,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,083
−HK$5,461/mo
▼ 0.25% · 3.875%
HK$103,794
−HK$2,750/mo
Today · 4.125%
HK$106,544
baseline
▲ 0.50% · 4.625%
HK$112,160
+HK$5,616/mo
Deposit HK$13.28M · loan HK$19.92M · min. income ≈ HK$213,088/mo (50% DSR)
Upfront cash ≈ HK$14.69M (deposit + AVD stamp duty HK$1,411,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,005
−HK$6,648/mo
▼ 0.25% · 3.875%
HK$109,303
−HK$3,350/mo
Today · 4.125%
HK$112,653
baseline
▲ 0.50% · 4.625%
HK$119,507
+HK$6,854/mo
Deposit HK$9.96M · loan HK$23.24M · min. income ≈ HK$225,306/mo (50% DSR)
Upfront cash ≈ HK$11.37M (deposit + AVD stamp duty HK$1,411,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,930
−HK$6,371/mo
▼ 0.25% · 3.875%
HK$121,093
−HK$3,208/mo
Today · 4.125%
HK$124,301
baseline
▲ 0.50% · 4.625%
HK$130,853
+HK$6,552/mo
Deposit HK$9.96M · loan HK$23.24M · min. income ≈ HK$248,602/mo (50% DSR)
Upfront cash ≈ HK$11.37M (deposit + AVD stamp duty HK$1,411,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,293
−HK$8,546/mo
▼ 0.25% · 3.875%
HK$140,532
−HK$4,307/mo
Today · 4.125%
HK$144,839
baseline
▲ 0.50% · 4.625%
HK$153,652
+HK$8,813/mo
Deposit HK$3.32M · loan HK$29.89M · min. income ≈ HK$289,678/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$1,411,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,624
−HK$8,192/mo
▼ 0.25% · 3.875%
HK$155,691
−HK$4,125/mo
Today · 4.125%
HK$159,816
baseline
▲ 0.50% · 4.625%
HK$168,240
+HK$8,424/mo
Deposit HK$3.32M · loan HK$29.89M · min. income ≈ HK$319,632/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$1,411,254 · Scale 2, in force from 26 Feb 2026)