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$75,948
−HK$4,763/mo
▼ 0.25% · 3.875%
HK$78,311
−HK$2,400/mo
Today · 4.125%
HK$80,711
baseline
▲ 0.50% · 4.625%
HK$85,622
+HK$4,911/mo
Deposit HK$16.65M · loan HK$16.65M · min. income ≈ HK$161,422/mo (50% DSR)
Upfront cash ≈ HK$18.07M (deposit + AVD stamp duty HK$1,415,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,492
−HK$4,564/mo
▼ 0.25% · 3.875%
HK$86,758
−HK$2,298/mo
Today · 4.125%
HK$89,056
baseline
▲ 0.50% · 4.625%
HK$93,751
+HK$4,695/mo
Deposit HK$16.65M · loan HK$16.65M · min. income ≈ HK$178,112/mo (50% DSR)
Upfront cash ≈ HK$18.07M (deposit + AVD stamp duty HK$1,415,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,138
−HK$5,715/mo
▼ 0.25% · 3.875%
HK$93,973
−HK$2,880/mo
Today · 4.125%
HK$96,853
baseline
▲ 0.50% · 4.625%
HK$102,746
+HK$5,893/mo
Deposit HK$13.32M · loan HK$19.98M · min. income ≈ HK$193,706/mo (50% DSR)
Upfront cash ≈ HK$14.74M (deposit + AVD stamp duty HK$1,415,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,390
−HK$5,478/mo
▼ 0.25% · 3.875%
HK$104,109
−HK$2,759/mo
Today · 4.125%
HK$106,868
baseline
▲ 0.50% · 4.625%
HK$112,501
+HK$5,633/mo
Deposit HK$13.32M · loan HK$19.98M · min. income ≈ HK$213,736/mo (50% DSR)
Upfront cash ≈ HK$14.74M (deposit + AVD stamp duty HK$1,415,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,328
−HK$6,667/mo
▼ 0.25% · 3.875%
HK$109,635
−HK$3,360/mo
Today · 4.125%
HK$112,995
baseline
▲ 0.50% · 4.625%
HK$119,871
+HK$6,876/mo
Deposit HK$9.99M · loan HK$23.31M · min. income ≈ HK$225,990/mo (50% DSR)
Upfront cash ≈ HK$11.41M (deposit + AVD stamp duty HK$1,415,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,288
−HK$6,391/mo
▼ 0.25% · 3.875%
HK$121,461
−HK$3,218/mo
Today · 4.125%
HK$124,679
baseline
▲ 0.50% · 4.625%
HK$131,251
+HK$6,572/mo
Deposit HK$9.99M · loan HK$23.31M · min. income ≈ HK$249,358/mo (50% DSR)
Upfront cash ≈ HK$11.41M (deposit + AVD stamp duty HK$1,415,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,707
−HK$8,573/mo
▼ 0.25% · 3.875%
HK$140,959
−HK$4,321/mo
Today · 4.125%
HK$145,280
baseline
▲ 0.50% · 4.625%
HK$154,119
+HK$8,839/mo
Deposit HK$3.33M · loan HK$29.98M · min. income ≈ HK$290,560/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$1,415,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,085
−HK$8,217/mo
▼ 0.25% · 3.875%
HK$156,164
−HK$4,138/mo
Today · 4.125%
HK$160,302
baseline
▲ 0.50% · 4.625%
HK$168,751
+HK$8,449/mo
Deposit HK$3.33M · loan HK$29.98M · min. income ≈ HK$320,604/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$1,415,543 · Scale 2, in force from 26 Feb 2026)