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$75,644
−HK$4,744/mo
▼ 0.25% · 3.875%
HK$77,997
−HK$2,391/mo
Today · 4.125%
HK$80,388
baseline
▲ 0.50% · 4.625%
HK$85,279
+HK$4,891/mo
Deposit HK$16.59M · loan HK$16.59M · min. income ≈ HK$160,776/mo (50% DSR)
Upfront cash ≈ HK$18.00M (deposit + AVD stamp duty HK$1,409,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,153
−HK$4,547/mo
▼ 0.25% · 3.875%
HK$86,410
−HK$2,290/mo
Today · 4.125%
HK$88,700
baseline
▲ 0.50% · 4.625%
HK$93,375
+HK$4,675/mo
Deposit HK$16.59M · loan HK$16.59M · min. income ≈ HK$177,400/mo (50% DSR)
Upfront cash ≈ HK$18.00M (deposit + AVD stamp duty HK$1,409,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,773
−HK$5,692/mo
▼ 0.25% · 3.875%
HK$93,597
−HK$2,868/mo
Today · 4.125%
HK$96,465
baseline
▲ 0.50% · 4.625%
HK$102,335
+HK$5,870/mo
Deposit HK$13.27M · loan HK$19.90M · min. income ≈ HK$192,930/mo (50% DSR)
Upfront cash ≈ HK$14.68M (deposit + AVD stamp duty HK$1,409,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,984
−HK$5,456/mo
▼ 0.25% · 3.875%
HK$103,692
−HK$2,748/mo
Today · 4.125%
HK$106,440
baseline
▲ 0.50% · 4.625%
HK$112,051
+HK$5,611/mo
Deposit HK$13.27M · loan HK$19.90M · min. income ≈ HK$212,880/mo (50% DSR)
Upfront cash ≈ HK$14.68M (deposit + AVD stamp duty HK$1,409,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,902
−HK$6,641/mo
▼ 0.25% · 3.875%
HK$109,196
−HK$3,347/mo
Today · 4.125%
HK$112,543
baseline
▲ 0.50% · 4.625%
HK$119,391
+HK$6,848/mo
Deposit HK$9.95M · loan HK$23.22M · min. income ≈ HK$225,086/mo (50% DSR)
Upfront cash ≈ HK$11.36M (deposit + AVD stamp duty HK$1,409,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,815
−HK$6,365/mo
▼ 0.25% · 3.875%
HK$120,975
−HK$3,205/mo
Today · 4.125%
HK$124,180
baseline
▲ 0.50% · 4.625%
HK$130,726
+HK$6,546/mo
Deposit HK$9.95M · loan HK$23.22M · min. income ≈ HK$248,360/mo (50% DSR)
Upfront cash ≈ HK$11.36M (deposit + AVD stamp duty HK$1,409,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,160
−HK$8,538/mo
▼ 0.25% · 3.875%
HK$140,395
−HK$4,303/mo
Today · 4.125%
HK$144,698
baseline
▲ 0.50% · 4.625%
HK$153,502
+HK$8,804/mo
Deposit HK$3.32M · loan HK$29.86M · min. income ≈ HK$289,396/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$1,409,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,476
−HK$8,184/mo
▼ 0.25% · 3.875%
HK$155,539
−HK$4,121/mo
Today · 4.125%
HK$159,660
baseline
▲ 0.50% · 4.625%
HK$168,076
+HK$8,416/mo
Deposit HK$3.32M · loan HK$29.86M · min. income ≈ HK$319,320/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$1,409,876 · Scale 2, in force from 26 Feb 2026)