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$75,900
−HK$4,760/mo
▼ 0.25% · 3.875%
HK$78,261
−HK$2,399/mo
Today · 4.125%
HK$80,660
baseline
▲ 0.50% · 4.625%
HK$85,568
+HK$4,908/mo
Deposit HK$16.64M · loan HK$16.64M · min. income ≈ HK$161,320/mo (50% DSR)
Upfront cash ≈ HK$18.06M (deposit + AVD stamp duty HK$1,414,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,438
−HK$4,562/mo
▼ 0.25% · 3.875%
HK$86,703
−HK$2,297/mo
Today · 4.125%
HK$89,000
baseline
▲ 0.50% · 4.625%
HK$93,691
+HK$4,691/mo
Deposit HK$16.64M · loan HK$16.64M · min. income ≈ HK$178,000/mo (50% DSR)
Upfront cash ≈ HK$18.06M (deposit + AVD stamp duty HK$1,414,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,080
−HK$5,712/mo
▼ 0.25% · 3.875%
HK$93,913
−HK$2,879/mo
Today · 4.125%
HK$96,792
baseline
▲ 0.50% · 4.625%
HK$102,681
+HK$5,889/mo
Deposit HK$13.31M · loan HK$19.97M · min. income ≈ HK$193,584/mo (50% DSR)
Upfront cash ≈ HK$14.73M (deposit + AVD stamp duty HK$1,414,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,326
−HK$5,474/mo
▼ 0.25% · 3.875%
HK$104,043
−HK$2,757/mo
Today · 4.125%
HK$106,800
baseline
▲ 0.50% · 4.625%
HK$112,430
+HK$5,630/mo
Deposit HK$13.31M · loan HK$19.97M · min. income ≈ HK$213,600/mo (50% DSR)
Upfront cash ≈ HK$14.73M (deposit + AVD stamp duty HK$1,414,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,260
−HK$6,664/mo
▼ 0.25% · 3.875%
HK$109,566
−HK$3,358/mo
Today · 4.125%
HK$112,924
baseline
▲ 0.50% · 4.625%
HK$119,795
+HK$6,871/mo
Deposit HK$9.99M · loan HK$23.30M · min. income ≈ HK$225,848/mo (50% DSR)
Upfront cash ≈ HK$11.40M (deposit + AVD stamp duty HK$1,414,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,213
−HK$6,387/mo
▼ 0.25% · 3.875%
HK$121,384
−HK$3,216/mo
Today · 4.125%
HK$124,600
baseline
▲ 0.50% · 4.625%
HK$131,168
+HK$6,568/mo
Deposit HK$9.99M · loan HK$23.30M · min. income ≈ HK$249,200/mo (50% DSR)
Upfront cash ≈ HK$11.40M (deposit + AVD stamp duty HK$1,414,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,620
−HK$8,568/mo
▼ 0.25% · 3.875%
HK$140,870
−HK$4,318/mo
Today · 4.125%
HK$145,188
baseline
▲ 0.50% · 4.625%
HK$154,022
+HK$8,834/mo
Deposit HK$3.33M · loan HK$29.96M · min. income ≈ HK$290,376/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$1,414,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,989
−HK$8,211/mo
▼ 0.25% · 3.875%
HK$156,065
−HK$4,135/mo
Today · 4.125%
HK$160,200
baseline
▲ 0.50% · 4.625%
HK$168,645
+HK$8,445/mo
Deposit HK$3.33M · loan HK$29.96M · min. income ≈ HK$320,400/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$1,414,647 · Scale 2, in force from 26 Feb 2026)