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$75,885
−HK$4,759/mo
▼ 0.25% · 3.875%
HK$78,246
−HK$2,398/mo
Today · 4.125%
HK$80,644
baseline
▲ 0.50% · 4.625%
HK$85,551
+HK$4,907/mo
Deposit HK$16.64M · loan HK$16.64M · min. income ≈ HK$161,288/mo (50% DSR)
Upfront cash ≈ HK$18.05M (deposit + AVD stamp duty HK$1,414,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,421
−HK$4,561/mo
▼ 0.25% · 3.875%
HK$86,686
−HK$2,296/mo
Today · 4.125%
HK$88,982
baseline
▲ 0.50% · 4.625%
HK$93,673
+HK$4,691/mo
Deposit HK$16.64M · loan HK$16.64M · min. income ≈ HK$177,964/mo (50% DSR)
Upfront cash ≈ HK$18.05M (deposit + AVD stamp duty HK$1,414,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,062
−HK$5,711/mo
▼ 0.25% · 3.875%
HK$93,895
−HK$2,878/mo
Today · 4.125%
HK$96,773
baseline
▲ 0.50% · 4.625%
HK$102,661
+HK$5,888/mo
Deposit HK$13.31M · loan HK$19.97M · min. income ≈ HK$193,546/mo (50% DSR)
Upfront cash ≈ HK$14.73M (deposit + AVD stamp duty HK$1,414,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,306
−HK$5,473/mo
▼ 0.25% · 3.875%
HK$104,023
−HK$2,756/mo
Today · 4.125%
HK$106,779
baseline
▲ 0.50% · 4.625%
HK$112,407
+HK$5,628/mo
Deposit HK$13.31M · loan HK$19.97M · min. income ≈ HK$213,558/mo (50% DSR)
Upfront cash ≈ HK$14.73M (deposit + AVD stamp duty HK$1,414,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,239
−HK$6,662/mo
▼ 0.25% · 3.875%
HK$109,544
−HK$3,357/mo
Today · 4.125%
HK$112,901
baseline
▲ 0.50% · 4.625%
HK$119,771
+HK$6,870/mo
Deposit HK$9.98M · loan HK$23.30M · min. income ≈ HK$225,802/mo (50% DSR)
Upfront cash ≈ HK$11.40M (deposit + AVD stamp duty HK$1,414,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,190
−HK$6,385/mo
▼ 0.25% · 3.875%
HK$121,360
−HK$3,215/mo
Today · 4.125%
HK$124,575
baseline
▲ 0.50% · 4.625%
HK$131,142
+HK$6,567/mo
Deposit HK$9.98M · loan HK$23.30M · min. income ≈ HK$249,150/mo (50% DSR)
Upfront cash ≈ HK$11.40M (deposit + AVD stamp duty HK$1,414,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,593
−HK$8,566/mo
▼ 0.25% · 3.875%
HK$140,842
−HK$4,317/mo
Today · 4.125%
HK$145,159
baseline
▲ 0.50% · 4.625%
HK$153,991
+HK$8,832/mo
Deposit HK$3.33M · loan HK$29.95M · min. income ≈ HK$290,318/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$1,414,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,959
−HK$8,209/mo
▼ 0.25% · 3.875%
HK$156,034
−HK$4,134/mo
Today · 4.125%
HK$160,168
baseline
▲ 0.50% · 4.625%
HK$168,611
+HK$8,443/mo
Deposit HK$3.33M · loan HK$29.95M · min. income ≈ HK$320,336/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$1,414,366 · Scale 2, in force from 26 Feb 2026)