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$75,666
−HK$4,745/mo
▼ 0.25% · 3.875%
HK$78,020
−HK$2,391/mo
Today · 4.125%
HK$80,411
baseline
▲ 0.50% · 4.625%
HK$85,304
+HK$4,893/mo
Deposit HK$16.59M · loan HK$16.59M · min. income ≈ HK$160,822/mo (50% DSR)
Upfront cash ≈ HK$18.00M (deposit + AVD stamp duty HK$1,410,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,178
−HK$4,548/mo
▼ 0.25% · 3.875%
HK$86,436
−HK$2,290/mo
Today · 4.125%
HK$88,726
baseline
▲ 0.50% · 4.625%
HK$93,403
+HK$4,677/mo
Deposit HK$16.59M · loan HK$16.59M · min. income ≈ HK$177,452/mo (50% DSR)
Upfront cash ≈ HK$18.00M (deposit + AVD stamp duty HK$1,410,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,800
−HK$5,693/mo
▼ 0.25% · 3.875%
HK$93,624
−HK$2,869/mo
Today · 4.125%
HK$96,493
baseline
▲ 0.50% · 4.625%
HK$102,365
+HK$5,872/mo
Deposit HK$13.27M · loan HK$19.91M · min. income ≈ HK$192,986/mo (50% DSR)
Upfront cash ≈ HK$14.68M (deposit + AVD stamp duty HK$1,410,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,014
−HK$5,457/mo
▼ 0.25% · 3.875%
HK$103,723
−HK$2,748/mo
Today · 4.125%
HK$106,471
baseline
▲ 0.50% · 4.625%
HK$112,083
+HK$5,612/mo
Deposit HK$13.27M · loan HK$19.91M · min. income ≈ HK$212,942/mo (50% DSR)
Upfront cash ≈ HK$14.68M (deposit + AVD stamp duty HK$1,410,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,933
−HK$6,643/mo
▼ 0.25% · 3.875%
HK$109,228
−HK$3,348/mo
Today · 4.125%
HK$112,576
baseline
▲ 0.50% · 4.625%
HK$119,426
+HK$6,850/mo
Deposit HK$9.95M · loan HK$23.23M · min. income ≈ HK$225,152/mo (50% DSR)
Upfront cash ≈ HK$11.37M (deposit + AVD stamp duty HK$1,410,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,849
−HK$6,367/mo
▼ 0.25% · 3.875%
HK$121,010
−HK$3,206/mo
Today · 4.125%
HK$124,216
baseline
▲ 0.50% · 4.625%
HK$130,764
+HK$6,548/mo
Deposit HK$9.95M · loan HK$23.23M · min. income ≈ HK$248,432/mo (50% DSR)
Upfront cash ≈ HK$11.37M (deposit + AVD stamp duty HK$1,410,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,199
−HK$8,541/mo
▼ 0.25% · 3.875%
HK$140,436
−HK$4,304/mo
Today · 4.125%
HK$144,740
baseline
▲ 0.50% · 4.625%
HK$153,547
+HK$8,807/mo
Deposit HK$3.32M · loan HK$29.86M · min. income ≈ HK$289,480/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$1,410,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,520
−HK$8,187/mo
▼ 0.25% · 3.875%
HK$155,584
−HK$4,123/mo
Today · 4.125%
HK$159,707
baseline
▲ 0.50% · 4.625%
HK$168,125
+HK$8,418/mo
Deposit HK$3.32M · loan HK$29.86M · min. income ≈ HK$319,414/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$1,410,288 · Scale 2, in force from 26 Feb 2026)