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$75,950
−HK$4,763/mo
▼ 0.25% · 3.875%
HK$78,313
−HK$2,400/mo
Today · 4.125%
HK$80,713
baseline
▲ 0.50% · 4.625%
HK$85,624
+HK$4,911/mo
Deposit HK$16.65M · loan HK$16.65M · min. income ≈ HK$161,426/mo (50% DSR)
Upfront cash ≈ HK$18.07M (deposit + AVD stamp duty HK$1,415,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,494
−HK$4,565/mo
▼ 0.25% · 3.875%
HK$86,760
−HK$2,299/mo
Today · 4.125%
HK$89,059
baseline
▲ 0.50% · 4.625%
HK$93,753
+HK$4,694/mo
Deposit HK$16.65M · loan HK$16.65M · min. income ≈ HK$178,118/mo (50% DSR)
Upfront cash ≈ HK$18.07M (deposit + AVD stamp duty HK$1,415,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,140
−HK$5,715/mo
▼ 0.25% · 3.875%
HK$93,975
−HK$2,880/mo
Today · 4.125%
HK$96,855
baseline
▲ 0.50% · 4.625%
HK$102,749
+HK$5,894/mo
Deposit HK$13.32M · loan HK$19.98M · min. income ≈ HK$193,710/mo (50% DSR)
Upfront cash ≈ HK$14.74M (deposit + AVD stamp duty HK$1,415,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,393
−HK$5,477/mo
▼ 0.25% · 3.875%
HK$104,112
−HK$2,758/mo
Today · 4.125%
HK$106,870
baseline
▲ 0.50% · 4.625%
HK$112,504
+HK$5,634/mo
Deposit HK$13.32M · loan HK$19.98M · min. income ≈ HK$213,740/mo (50% DSR)
Upfront cash ≈ HK$14.74M (deposit + AVD stamp duty HK$1,415,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,330
−HK$6,668/mo
▼ 0.25% · 3.875%
HK$109,638
−HK$3,360/mo
Today · 4.125%
HK$112,998
baseline
▲ 0.50% · 4.625%
HK$119,874
+HK$6,876/mo
Deposit HK$9.99M · loan HK$23.32M · min. income ≈ HK$225,996/mo (50% DSR)
Upfront cash ≈ HK$11.41M (deposit + AVD stamp duty HK$1,415,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,291
−HK$6,391/mo
▼ 0.25% · 3.875%
HK$121,464
−HK$3,218/mo
Today · 4.125%
HK$124,682
baseline
▲ 0.50% · 4.625%
HK$131,254
+HK$6,572/mo
Deposit HK$9.99M · loan HK$23.32M · min. income ≈ HK$249,364/mo (50% DSR)
Upfront cash ≈ HK$11.41M (deposit + AVD stamp duty HK$1,415,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,710
−HK$8,573/mo
▼ 0.25% · 3.875%
HK$140,963
−HK$4,320/mo
Today · 4.125%
HK$145,283
baseline
▲ 0.50% · 4.625%
HK$154,123
+HK$8,840/mo
Deposit HK$3.33M · loan HK$29.98M · min. income ≈ HK$290,566/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$1,415,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,089
−HK$8,217/mo
▼ 0.25% · 3.875%
HK$156,168
−HK$4,138/mo
Today · 4.125%
HK$160,306
baseline
▲ 0.50% · 4.625%
HK$168,756
+HK$8,450/mo
Deposit HK$3.33M · loan HK$29.98M · min. income ≈ HK$320,612/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$1,415,578 · Scale 2, in force from 26 Feb 2026)