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$75,755
−HK$4,751/mo
▼ 0.25% · 3.875%
HK$78,112
−HK$2,394/mo
Today · 4.125%
HK$80,506
baseline
▲ 0.50% · 4.625%
HK$85,405
+HK$4,899/mo
Deposit HK$16.61M · loan HK$16.61M · min. income ≈ HK$161,012/mo (50% DSR)
Upfront cash ≈ HK$18.02M (deposit + AVD stamp duty HK$1,411,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,277
−HK$4,553/mo
▼ 0.25% · 3.875%
HK$86,537
−HK$2,293/mo
Today · 4.125%
HK$88,830
baseline
▲ 0.50% · 4.625%
HK$93,513
+HK$4,683/mo
Deposit HK$16.61M · loan HK$16.61M · min. income ≈ HK$177,660/mo (50% DSR)
Upfront cash ≈ HK$18.02M (deposit + AVD stamp duty HK$1,411,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,907
−HK$5,700/mo
▼ 0.25% · 3.875%
HK$93,734
−HK$2,873/mo
Today · 4.125%
HK$96,607
baseline
▲ 0.50% · 4.625%
HK$102,486
+HK$5,879/mo
Deposit HK$13.29M · loan HK$19.93M · min. income ≈ HK$193,214/mo (50% DSR)
Upfront cash ≈ HK$14.70M (deposit + AVD stamp duty HK$1,411,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,133
−HK$5,464/mo
▼ 0.25% · 3.875%
HK$103,845
−HK$2,752/mo
Today · 4.125%
HK$106,597
baseline
▲ 0.50% · 4.625%
HK$112,215
+HK$5,618/mo
Deposit HK$13.29M · loan HK$19.93M · min. income ≈ HK$213,194/mo (50% DSR)
Upfront cash ≈ HK$14.70M (deposit + AVD stamp duty HK$1,411,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,058
−HK$6,650/mo
▼ 0.25% · 3.875%
HK$109,357
−HK$3,351/mo
Today · 4.125%
HK$112,708
baseline
▲ 0.50% · 4.625%
HK$119,566
+HK$6,858/mo
Deposit HK$9.97M · loan HK$23.26M · min. income ≈ HK$225,416/mo (50% DSR)
Upfront cash ≈ HK$11.38M (deposit + AVD stamp duty HK$1,411,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,988
−HK$6,375/mo
▼ 0.25% · 3.875%
HK$121,152
−HK$3,211/mo
Today · 4.125%
HK$124,363
baseline
▲ 0.50% · 4.625%
HK$130,918
+HK$6,555/mo
Deposit HK$9.97M · loan HK$23.26M · min. income ≈ HK$248,726/mo (50% DSR)
Upfront cash ≈ HK$11.38M (deposit + AVD stamp duty HK$1,411,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,360
−HK$8,551/mo
▼ 0.25% · 3.875%
HK$140,601
−HK$4,310/mo
Today · 4.125%
HK$144,911
baseline
▲ 0.50% · 4.625%
HK$153,728
+HK$8,817/mo
Deposit HK$3.32M · loan HK$29.90M · min. income ≈ HK$289,822/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$1,411,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,699
−HK$8,196/mo
▼ 0.25% · 3.875%
HK$155,767
−HK$4,128/mo
Today · 4.125%
HK$159,895
baseline
▲ 0.50% · 4.625%
HK$168,323
+HK$8,428/mo
Deposit HK$3.32M · loan HK$29.90M · min. income ≈ HK$319,790/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$1,411,950 · Scale 2, in force from 26 Feb 2026)