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$75,879
−HK$4,758/mo
▼ 0.25% · 3.875%
HK$78,239
−HK$2,398/mo
Today · 4.125%
HK$80,637
baseline
▲ 0.50% · 4.625%
HK$85,544
+HK$4,907/mo
Deposit HK$16.64M · loan HK$16.64M · min. income ≈ HK$161,274/mo (50% DSR)
Upfront cash ≈ HK$18.05M (deposit + AVD stamp duty HK$1,414,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,415
−HK$4,560/mo
▼ 0.25% · 3.875%
HK$86,679
−HK$2,296/mo
Today · 4.125%
HK$88,975
baseline
▲ 0.50% · 4.625%
HK$93,665
+HK$4,690/mo
Deposit HK$16.64M · loan HK$16.64M · min. income ≈ HK$177,950/mo (50% DSR)
Upfront cash ≈ HK$18.05M (deposit + AVD stamp duty HK$1,414,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,055
−HK$5,710/mo
▼ 0.25% · 3.875%
HK$93,887
−HK$2,878/mo
Today · 4.125%
HK$96,765
baseline
▲ 0.50% · 4.625%
HK$102,653
+HK$5,888/mo
Deposit HK$13.31M · loan HK$19.97M · min. income ≈ HK$193,530/mo (50% DSR)
Upfront cash ≈ HK$14.72M (deposit + AVD stamp duty HK$1,414,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,298
−HK$5,472/mo
▼ 0.25% · 3.875%
HK$104,014
−HK$2,756/mo
Today · 4.125%
HK$106,770
baseline
▲ 0.50% · 4.625%
HK$112,399
+HK$5,629/mo
Deposit HK$13.31M · loan HK$19.97M · min. income ≈ HK$213,540/mo (50% DSR)
Upfront cash ≈ HK$14.72M (deposit + AVD stamp duty HK$1,414,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,231
−HK$6,661/mo
▼ 0.25% · 3.875%
HK$109,535
−HK$3,357/mo
Today · 4.125%
HK$112,892
baseline
▲ 0.50% · 4.625%
HK$119,762
+HK$6,870/mo
Deposit HK$9.98M · loan HK$23.29M · min. income ≈ HK$225,784/mo (50% DSR)
Upfront cash ≈ HK$11.40M (deposit + AVD stamp duty HK$1,414,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,181
−HK$6,385/mo
▼ 0.25% · 3.875%
HK$121,350
−HK$3,216/mo
Today · 4.125%
HK$124,566
baseline
▲ 0.50% · 4.625%
HK$131,132
+HK$6,566/mo
Deposit HK$9.98M · loan HK$23.29M · min. income ≈ HK$249,132/mo (50% DSR)
Upfront cash ≈ HK$11.40M (deposit + AVD stamp duty HK$1,414,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,582
−HK$8,565/mo
▼ 0.25% · 3.875%
HK$140,831
−HK$4,316/mo
Today · 4.125%
HK$145,147
baseline
▲ 0.50% · 4.625%
HK$153,979
+HK$8,832/mo
Deposit HK$3.33M · loan HK$29.95M · min. income ≈ HK$290,294/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$1,414,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,947
−HK$8,209/mo
▼ 0.25% · 3.875%
HK$156,022
−HK$4,134/mo
Today · 4.125%
HK$160,156
baseline
▲ 0.50% · 4.625%
HK$168,598
+HK$8,442/mo
Deposit HK$3.33M · loan HK$29.95M · min. income ≈ HK$320,312/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$1,414,255 · Scale 2, in force from 26 Feb 2026)