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$75,943
−HK$4,762/mo
▼ 0.25% · 3.875%
HK$78,305
−HK$2,400/mo
Today · 4.125%
HK$80,705
baseline
▲ 0.50% · 4.625%
HK$85,616
+HK$4,911/mo
Deposit HK$16.65M · loan HK$16.65M · min. income ≈ HK$161,410/mo (50% DSR)
Upfront cash ≈ HK$18.07M (deposit + AVD stamp duty HK$1,415,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,485
−HK$4,565/mo
▼ 0.25% · 3.875%
HK$86,751
−HK$2,299/mo
Today · 4.125%
HK$89,050
baseline
▲ 0.50% · 4.625%
HK$93,744
+HK$4,694/mo
Deposit HK$16.65M · loan HK$16.65M · min. income ≈ HK$178,100/mo (50% DSR)
Upfront cash ≈ HK$18.07M (deposit + AVD stamp duty HK$1,415,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,131
−HK$5,715/mo
▼ 0.25% · 3.875%
HK$93,966
−HK$2,880/mo
Today · 4.125%
HK$96,846
baseline
▲ 0.50% · 4.625%
HK$102,739
+HK$5,893/mo
Deposit HK$13.32M · loan HK$19.98M · min. income ≈ HK$193,692/mo (50% DSR)
Upfront cash ≈ HK$14.74M (deposit + AVD stamp duty HK$1,415,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,382
−HK$5,478/mo
▼ 0.25% · 3.875%
HK$104,101
−HK$2,759/mo
Today · 4.125%
HK$106,860
baseline
▲ 0.50% · 4.625%
HK$112,493
+HK$5,633/mo
Deposit HK$13.32M · loan HK$19.98M · min. income ≈ HK$213,720/mo (50% DSR)
Upfront cash ≈ HK$14.74M (deposit + AVD stamp duty HK$1,415,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,320
−HK$6,667/mo
▼ 0.25% · 3.875%
HK$109,627
−HK$3,360/mo
Today · 4.125%
HK$112,987
baseline
▲ 0.50% · 4.625%
HK$119,862
+HK$6,875/mo
Deposit HK$9.99M · loan HK$23.31M · min. income ≈ HK$225,974/mo (50% DSR)
Upfront cash ≈ HK$11.41M (deposit + AVD stamp duty HK$1,415,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,279
−HK$6,391/mo
▼ 0.25% · 3.875%
HK$121,452
−HK$3,218/mo
Today · 4.125%
HK$124,670
baseline
▲ 0.50% · 4.625%
HK$131,241
+HK$6,571/mo
Deposit HK$9.99M · loan HK$23.31M · min. income ≈ HK$249,340/mo (50% DSR)
Upfront cash ≈ HK$11.41M (deposit + AVD stamp duty HK$1,415,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,697
−HK$8,572/mo
▼ 0.25% · 3.875%
HK$140,949
−HK$4,320/mo
Today · 4.125%
HK$145,269
baseline
▲ 0.50% · 4.625%
HK$154,108
+HK$8,839/mo
Deposit HK$3.33M · loan HK$29.97M · min. income ≈ HK$290,538/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$1,415,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,074
−HK$8,216/mo
▼ 0.25% · 3.875%
HK$156,152
−HK$4,138/mo
Today · 4.125%
HK$160,290
baseline
▲ 0.50% · 4.625%
HK$168,739
+HK$8,449/mo
Deposit HK$3.33M · loan HK$29.97M · min. income ≈ HK$320,580/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$1,415,438 · Scale 2, in force from 26 Feb 2026)