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$75,929
−HK$4,761/mo
▼ 0.25% · 3.875%
HK$78,290
−HK$2,400/mo
Today · 4.125%
HK$80,690
baseline
▲ 0.50% · 4.625%
HK$85,600
+HK$4,910/mo
Deposit HK$16.65M · loan HK$16.65M · min. income ≈ HK$161,380/mo (50% DSR)
Upfront cash ≈ HK$18.06M (deposit + AVD stamp duty HK$1,415,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,470
−HK$4,563/mo
▼ 0.25% · 3.875%
HK$86,735
−HK$2,298/mo
Today · 4.125%
HK$89,033
baseline
▲ 0.50% · 4.625%
HK$93,727
+HK$4,694/mo
Deposit HK$16.65M · loan HK$16.65M · min. income ≈ HK$178,066/mo (50% DSR)
Upfront cash ≈ HK$18.06M (deposit + AVD stamp duty HK$1,415,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,114
−HK$5,714/mo
▼ 0.25% · 3.875%
HK$93,948
−HK$2,880/mo
Today · 4.125%
HK$96,828
baseline
▲ 0.50% · 4.625%
HK$102,720
+HK$5,892/mo
Deposit HK$13.32M · loan HK$19.98M · min. income ≈ HK$193,656/mo (50% DSR)
Upfront cash ≈ HK$14.73M (deposit + AVD stamp duty HK$1,415,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,364
−HK$5,476/mo
▼ 0.25% · 3.875%
HK$104,082
−HK$2,758/mo
Today · 4.125%
HK$106,840
baseline
▲ 0.50% · 4.625%
HK$112,472
+HK$5,632/mo
Deposit HK$13.32M · loan HK$19.98M · min. income ≈ HK$213,680/mo (50% DSR)
Upfront cash ≈ HK$14.73M (deposit + AVD stamp duty HK$1,415,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,300
−HK$6,666/mo
▼ 0.25% · 3.875%
HK$109,607
−HK$3,359/mo
Today · 4.125%
HK$112,966
baseline
▲ 0.50% · 4.625%
HK$119,840
+HK$6,874/mo
Deposit HK$9.99M · loan HK$23.31M · min. income ≈ HK$225,932/mo (50% DSR)
Upfront cash ≈ HK$11.40M (deposit + AVD stamp duty HK$1,415,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,258
−HK$6,389/mo
▼ 0.25% · 3.875%
HK$121,429
−HK$3,218/mo
Today · 4.125%
HK$124,647
baseline
▲ 0.50% · 4.625%
HK$131,217
+HK$6,570/mo
Deposit HK$9.99M · loan HK$23.31M · min. income ≈ HK$249,294/mo (50% DSR)
Upfront cash ≈ HK$11.40M (deposit + AVD stamp duty HK$1,415,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,671
−HK$8,571/mo
▼ 0.25% · 3.875%
HK$140,923
−HK$4,319/mo
Today · 4.125%
HK$145,242
baseline
▲ 0.50% · 4.625%
HK$154,080
+HK$8,838/mo
Deposit HK$3.33M · loan HK$29.97M · min. income ≈ HK$290,484/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$1,415,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,046
−HK$8,214/mo
▼ 0.25% · 3.875%
HK$156,123
−HK$4,137/mo
Today · 4.125%
HK$160,260
baseline
▲ 0.50% · 4.625%
HK$168,708
+HK$8,448/mo
Deposit HK$3.33M · loan HK$29.97M · min. income ≈ HK$320,520/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$1,415,177 · Scale 2, in force from 26 Feb 2026)