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$75,922
−HK$4,761/mo
▼ 0.25% · 3.875%
HK$78,283
−HK$2,400/mo
Today · 4.125%
HK$80,683
baseline
▲ 0.50% · 4.625%
HK$85,592
+HK$4,909/mo
Deposit HK$16.65M · loan HK$16.65M · min. income ≈ HK$161,366/mo (50% DSR)
Upfront cash ≈ HK$18.06M (deposit + AVD stamp duty HK$1,415,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,462
−HK$4,563/mo
▼ 0.25% · 3.875%
HK$86,727
−HK$2,298/mo
Today · 4.125%
HK$89,025
baseline
▲ 0.50% · 4.625%
HK$93,718
+HK$4,693/mo
Deposit HK$16.65M · loan HK$16.65M · min. income ≈ HK$178,050/mo (50% DSR)
Upfront cash ≈ HK$18.06M (deposit + AVD stamp duty HK$1,415,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,106
−HK$5,713/mo
▼ 0.25% · 3.875%
HK$93,940
−HK$2,879/mo
Today · 4.125%
HK$96,819
baseline
▲ 0.50% · 4.625%
HK$102,710
+HK$5,891/mo
Deposit HK$13.32M · loan HK$19.98M · min. income ≈ HK$193,638/mo (50% DSR)
Upfront cash ≈ HK$14.73M (deposit + AVD stamp duty HK$1,415,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,355
−HK$5,475/mo
▼ 0.25% · 3.875%
HK$104,073
−HK$2,757/mo
Today · 4.125%
HK$106,830
baseline
▲ 0.50% · 4.625%
HK$112,462
+HK$5,632/mo
Deposit HK$13.32M · loan HK$19.98M · min. income ≈ HK$213,660/mo (50% DSR)
Upfront cash ≈ HK$14.73M (deposit + AVD stamp duty HK$1,415,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,290
−HK$6,666/mo
▼ 0.25% · 3.875%
HK$109,597
−HK$3,359/mo
Today · 4.125%
HK$112,956
baseline
▲ 0.50% · 4.625%
HK$119,829
+HK$6,873/mo
Deposit HK$9.99M · loan HK$23.31M · min. income ≈ HK$225,912/mo (50% DSR)
Upfront cash ≈ HK$11.40M (deposit + AVD stamp duty HK$1,415,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,247
−HK$6,388/mo
▼ 0.25% · 3.875%
HK$121,418
−HK$3,217/mo
Today · 4.125%
HK$124,635
baseline
▲ 0.50% · 4.625%
HK$131,205
+HK$6,570/mo
Deposit HK$9.99M · loan HK$23.31M · min. income ≈ HK$249,270/mo (50% DSR)
Upfront cash ≈ HK$11.40M (deposit + AVD stamp duty HK$1,415,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,659
−HK$8,570/mo
▼ 0.25% · 3.875%
HK$140,910
−HK$4,319/mo
Today · 4.125%
HK$145,229
baseline
▲ 0.50% · 4.625%
HK$154,066
+HK$8,837/mo
Deposit HK$3.33M · loan HK$29.97M · min. income ≈ HK$290,458/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$1,415,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,032
−HK$8,214/mo
▼ 0.25% · 3.875%
HK$156,109
−HK$4,137/mo
Today · 4.125%
HK$160,246
baseline
▲ 0.50% · 4.625%
HK$168,692
+HK$8,446/mo
Deposit HK$3.33M · loan HK$29.97M · min. income ≈ HK$320,492/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$1,415,048 · Scale 2, in force from 26 Feb 2026)