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$75,660
−HK$4,745/mo
▼ 0.25% · 3.875%
HK$78,013
−HK$2,392/mo
Today · 4.125%
HK$80,405
baseline
▲ 0.50% · 4.625%
HK$85,297
+HK$4,892/mo
Deposit HK$16.59M · loan HK$16.59M · min. income ≈ HK$160,810/mo (50% DSR)
Upfront cash ≈ HK$18.00M (deposit + AVD stamp duty HK$1,410,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,171
−HK$4,548/mo
▼ 0.25% · 3.875%
HK$86,428
−HK$2,291/mo
Today · 4.125%
HK$88,719
baseline
▲ 0.50% · 4.625%
HK$93,395
+HK$4,676/mo
Deposit HK$16.59M · loan HK$16.59M · min. income ≈ HK$177,438/mo (50% DSR)
Upfront cash ≈ HK$18.00M (deposit + AVD stamp duty HK$1,410,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,792
−HK$5,693/mo
▼ 0.25% · 3.875%
HK$93,616
−HK$2,869/mo
Today · 4.125%
HK$96,485
baseline
▲ 0.50% · 4.625%
HK$102,356
+HK$5,871/mo
Deposit HK$13.27M · loan HK$19.91M · min. income ≈ HK$192,970/mo (50% DSR)
Upfront cash ≈ HK$14.68M (deposit + AVD stamp duty HK$1,410,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,005
−HK$5,457/mo
▼ 0.25% · 3.875%
HK$103,714
−HK$2,748/mo
Today · 4.125%
HK$106,462
baseline
▲ 0.50% · 4.625%
HK$112,074
+HK$5,612/mo
Deposit HK$13.27M · loan HK$19.91M · min. income ≈ HK$212,924/mo (50% DSR)
Upfront cash ≈ HK$14.68M (deposit + AVD stamp duty HK$1,410,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,924
−HK$6,642/mo
▼ 0.25% · 3.875%
HK$109,219
−HK$3,347/mo
Today · 4.125%
HK$112,566
baseline
▲ 0.50% · 4.625%
HK$119,416
+HK$6,850/mo
Deposit HK$9.95M · loan HK$23.23M · min. income ≈ HK$225,132/mo (50% DSR)
Upfront cash ≈ HK$11.36M (deposit + AVD stamp duty HK$1,410,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,839
−HK$6,367/mo
▼ 0.25% · 3.875%
HK$121,000
−HK$3,206/mo
Today · 4.125%
HK$124,206
baseline
▲ 0.50% · 4.625%
HK$130,753
+HK$6,547/mo
Deposit HK$9.95M · loan HK$23.23M · min. income ≈ HK$248,412/mo (50% DSR)
Upfront cash ≈ HK$11.36M (deposit + AVD stamp duty HK$1,410,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,188
−HK$8,540/mo
▼ 0.25% · 3.875%
HK$140,424
−HK$4,304/mo
Today · 4.125%
HK$144,728
baseline
▲ 0.50% · 4.625%
HK$153,535
+HK$8,807/mo
Deposit HK$3.32M · loan HK$29.86M · min. income ≈ HK$289,456/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$1,410,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,508
−HK$8,185/mo
▼ 0.25% · 3.875%
HK$155,571
−HK$4,122/mo
Today · 4.125%
HK$159,693
baseline
▲ 0.50% · 4.625%
HK$168,111
+HK$8,418/mo
Deposit HK$3.32M · loan HK$29.86M · min. income ≈ HK$319,386/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$1,410,171 · Scale 2, in force from 26 Feb 2026)