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$75,887
−HK$4,759/mo
▼ 0.25% · 3.875%
HK$78,248
−HK$2,398/mo
Today · 4.125%
HK$80,646
baseline
▲ 0.50% · 4.625%
HK$85,553
+HK$4,907/mo
Deposit HK$16.64M · loan HK$16.64M · min. income ≈ HK$161,292/mo (50% DSR)
Upfront cash ≈ HK$18.05M (deposit + AVD stamp duty HK$1,414,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,424
−HK$4,561/mo
▼ 0.25% · 3.875%
HK$86,688
−HK$2,297/mo
Today · 4.125%
HK$88,985
baseline
▲ 0.50% · 4.625%
HK$93,675
+HK$4,690/mo
Deposit HK$16.64M · loan HK$16.64M · min. income ≈ HK$177,970/mo (50% DSR)
Upfront cash ≈ HK$18.05M (deposit + AVD stamp duty HK$1,414,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,064
−HK$5,711/mo
▼ 0.25% · 3.875%
HK$93,897
−HK$2,878/mo
Today · 4.125%
HK$96,775
baseline
▲ 0.50% · 4.625%
HK$102,664
+HK$5,889/mo
Deposit HK$13.31M · loan HK$19.97M · min. income ≈ HK$193,550/mo (50% DSR)
Upfront cash ≈ HK$14.73M (deposit + AVD stamp duty HK$1,414,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,308
−HK$5,474/mo
▼ 0.25% · 3.875%
HK$104,025
−HK$2,757/mo
Today · 4.125%
HK$106,782
baseline
▲ 0.50% · 4.625%
HK$112,410
+HK$5,628/mo
Deposit HK$13.31M · loan HK$19.97M · min. income ≈ HK$213,564/mo (50% DSR)
Upfront cash ≈ HK$14.73M (deposit + AVD stamp duty HK$1,414,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,242
−HK$6,662/mo
▼ 0.25% · 3.875%
HK$109,547
−HK$3,357/mo
Today · 4.125%
HK$112,904
baseline
▲ 0.50% · 4.625%
HK$119,774
+HK$6,870/mo
Deposit HK$9.98M · loan HK$23.30M · min. income ≈ HK$225,808/mo (50% DSR)
Upfront cash ≈ HK$11.40M (deposit + AVD stamp duty HK$1,414,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,193
−HK$6,386/mo
▼ 0.25% · 3.875%
HK$121,363
−HK$3,216/mo
Today · 4.125%
HK$124,579
baseline
▲ 0.50% · 4.625%
HK$131,145
+HK$6,566/mo
Deposit HK$9.98M · loan HK$23.30M · min. income ≈ HK$249,158/mo (50% DSR)
Upfront cash ≈ HK$11.40M (deposit + AVD stamp duty HK$1,414,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,597
−HK$8,565/mo
▼ 0.25% · 3.875%
HK$140,846
−HK$4,316/mo
Today · 4.125%
HK$145,162
baseline
▲ 0.50% · 4.625%
HK$153,995
+HK$8,833/mo
Deposit HK$3.33M · loan HK$29.95M · min. income ≈ HK$290,324/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$1,414,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,962
−HK$8,210/mo
▼ 0.25% · 3.875%
HK$156,038
−HK$4,134/mo
Today · 4.125%
HK$160,172
baseline
▲ 0.50% · 4.625%
HK$168,615
+HK$8,443/mo
Deposit HK$3.33M · loan HK$29.95M · min. income ≈ HK$320,344/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$1,414,402 · Scale 2, in force from 26 Feb 2026)