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$75,895
−HK$4,759/mo
▼ 0.25% · 3.875%
HK$78,255
−HK$2,399/mo
Today · 4.125%
HK$80,654
baseline
▲ 0.50% · 4.625%
HK$85,561
+HK$4,907/mo
Deposit HK$16.64M · loan HK$16.64M · min. income ≈ HK$161,308/mo (50% DSR)
Upfront cash ≈ HK$18.06M (deposit + AVD stamp duty HK$1,414,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,432
−HK$4,562/mo
▼ 0.25% · 3.875%
HK$86,696
−HK$2,298/mo
Today · 4.125%
HK$88,994
baseline
▲ 0.50% · 4.625%
HK$93,685
+HK$4,691/mo
Deposit HK$16.64M · loan HK$16.64M · min. income ≈ HK$177,988/mo (50% DSR)
Upfront cash ≈ HK$18.06M (deposit + AVD stamp duty HK$1,414,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,074
−HK$5,711/mo
▼ 0.25% · 3.875%
HK$93,906
−HK$2,879/mo
Today · 4.125%
HK$96,785
baseline
▲ 0.50% · 4.625%
HK$102,674
+HK$5,889/mo
Deposit HK$13.31M · loan HK$19.97M · min. income ≈ HK$193,570/mo (50% DSR)
Upfront cash ≈ HK$14.73M (deposit + AVD stamp duty HK$1,414,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,318
−HK$5,474/mo
▼ 0.25% · 3.875%
HK$104,036
−HK$2,756/mo
Today · 4.125%
HK$106,792
baseline
▲ 0.50% · 4.625%
HK$112,421
+HK$5,629/mo
Deposit HK$13.31M · loan HK$19.97M · min. income ≈ HK$213,584/mo (50% DSR)
Upfront cash ≈ HK$14.73M (deposit + AVD stamp duty HK$1,414,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,252
−HK$6,663/mo
▼ 0.25% · 3.875%
HK$109,558
−HK$3,357/mo
Today · 4.125%
HK$112,915
baseline
▲ 0.50% · 4.625%
HK$119,786
+HK$6,871/mo
Deposit HK$9.99M · loan HK$23.30M · min. income ≈ HK$225,830/mo (50% DSR)
Upfront cash ≈ HK$11.40M (deposit + AVD stamp duty HK$1,414,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,205
−HK$6,386/mo
▼ 0.25% · 3.875%
HK$121,375
−HK$3,216/mo
Today · 4.125%
HK$124,591
baseline
▲ 0.50% · 4.625%
HK$131,158
+HK$6,567/mo
Deposit HK$9.99M · loan HK$23.30M · min. income ≈ HK$249,182/mo (50% DSR)
Upfront cash ≈ HK$11.40M (deposit + AVD stamp duty HK$1,414,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,610
−HK$8,567/mo
▼ 0.25% · 3.875%
HK$140,860
−HK$4,317/mo
Today · 4.125%
HK$145,177
baseline
▲ 0.50% · 4.625%
HK$154,011
+HK$8,834/mo
Deposit HK$3.33M · loan HK$29.96M · min. income ≈ HK$290,354/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$1,414,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,978
−HK$8,210/mo
▼ 0.25% · 3.875%
HK$156,054
−HK$4,134/mo
Today · 4.125%
HK$160,188
baseline
▲ 0.50% · 4.625%
HK$168,632
+HK$8,444/mo
Deposit HK$3.33M · loan HK$29.96M · min. income ≈ HK$320,376/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$1,414,544 · Scale 2, in force from 26 Feb 2026)