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$75,632
−HK$4,743/mo
▼ 0.25% · 3.875%
HK$77,985
−HK$2,390/mo
Today · 4.125%
HK$80,375
baseline
▲ 0.50% · 4.625%
HK$85,266
+HK$4,891/mo
Deposit HK$16.58M · loan HK$16.58M · min. income ≈ HK$160,750/mo (50% DSR)
Upfront cash ≈ HK$17.99M (deposit + AVD stamp duty HK$1,409,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,140
−HK$4,546/mo
▼ 0.25% · 3.875%
HK$86,397
−HK$2,289/mo
Today · 4.125%
HK$88,686
baseline
▲ 0.50% · 4.625%
HK$93,361
+HK$4,675/mo
Deposit HK$16.58M · loan HK$16.58M · min. income ≈ HK$177,372/mo (50% DSR)
Upfront cash ≈ HK$17.99M (deposit + AVD stamp duty HK$1,409,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,759
−HK$5,691/mo
▼ 0.25% · 3.875%
HK$93,582
−HK$2,868/mo
Today · 4.125%
HK$96,450
baseline
▲ 0.50% · 4.625%
HK$102,319
+HK$5,869/mo
Deposit HK$13.27M · loan HK$19.90M · min. income ≈ HK$192,900/mo (50% DSR)
Upfront cash ≈ HK$14.68M (deposit + AVD stamp duty HK$1,409,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,968
−HK$5,455/mo
▼ 0.25% · 3.875%
HK$103,676
−HK$2,747/mo
Today · 4.125%
HK$106,423
baseline
▲ 0.50% · 4.625%
HK$112,033
+HK$5,610/mo
Deposit HK$13.27M · loan HK$19.90M · min. income ≈ HK$212,846/mo (50% DSR)
Upfront cash ≈ HK$14.68M (deposit + AVD stamp duty HK$1,409,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,885
−HK$6,640/mo
▼ 0.25% · 3.875%
HK$109,179
−HK$3,346/mo
Today · 4.125%
HK$112,525
baseline
▲ 0.50% · 4.625%
HK$119,372
+HK$6,847/mo
Deposit HK$9.95M · loan HK$23.22M · min. income ≈ HK$225,050/mo (50% DSR)
Upfront cash ≈ HK$11.36M (deposit + AVD stamp duty HK$1,409,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,796
−HK$6,365/mo
▼ 0.25% · 3.875%
HK$120,956
−HK$3,205/mo
Today · 4.125%
HK$124,161
baseline
▲ 0.50% · 4.625%
HK$130,705
+HK$6,544/mo
Deposit HK$9.95M · loan HK$23.22M · min. income ≈ HK$248,322/mo (50% DSR)
Upfront cash ≈ HK$11.36M (deposit + AVD stamp duty HK$1,409,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,138
−HK$8,537/mo
▼ 0.25% · 3.875%
HK$140,373
−HK$4,302/mo
Today · 4.125%
HK$144,675
baseline
▲ 0.50% · 4.625%
HK$153,479
+HK$8,804/mo
Deposit HK$3.32M · loan HK$29.85M · min. income ≈ HK$289,350/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$1,409,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,452
−HK$8,183/mo
▼ 0.25% · 3.875%
HK$155,514
−HK$4,121/mo
Today · 4.125%
HK$159,635
baseline
▲ 0.50% · 4.625%
HK$168,050
+HK$8,415/mo
Deposit HK$3.32M · loan HK$29.85M · min. income ≈ HK$319,270/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$1,409,656 · Scale 2, in force from 26 Feb 2026)