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$4,759/mo
▼ 0.25% · 3.875%
HK$78,260
−HK$2,399/mo
Today · 4.125%
HK$80,659
baseline
▲ 0.50% · 4.625%
HK$85,567
+HK$4,908/mo
Deposit HK$16.64M · loan HK$16.64M · min. income ≈ HK$161,318/mo (50% DSR)
Upfront cash ≈ HK$18.06M (deposit + AVD stamp duty HK$1,414,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,437
−HK$4,562/mo
▼ 0.25% · 3.875%
HK$86,702
−HK$2,297/mo
Today · 4.125%
HK$88,999
baseline
▲ 0.50% · 4.625%
HK$93,691
+HK$4,692/mo
Deposit HK$16.64M · loan HK$16.64M · min. income ≈ HK$177,998/mo (50% DSR)
Upfront cash ≈ HK$18.06M (deposit + AVD stamp duty HK$1,414,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,079
−HK$5,712/mo
▼ 0.25% · 3.875%
HK$93,913
−HK$2,878/mo
Today · 4.125%
HK$96,791
baseline
▲ 0.50% · 4.625%
HK$102,680
+HK$5,889/mo
Deposit HK$13.31M · loan HK$19.97M · min. income ≈ HK$193,582/mo (50% DSR)
Upfront cash ≈ HK$14.73M (deposit + AVD stamp duty HK$1,414,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,325
−HK$5,474/mo
▼ 0.25% · 3.875%
HK$104,042
−HK$2,757/mo
Today · 4.125%
HK$106,799
baseline
▲ 0.50% · 4.625%
HK$112,429
+HK$5,630/mo
Deposit HK$13.31M · loan HK$19.97M · min. income ≈ HK$213,598/mo (50% DSR)
Upfront cash ≈ HK$14.73M (deposit + AVD stamp duty HK$1,414,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,259
−HK$6,664/mo
▼ 0.25% · 3.875%
HK$109,565
−HK$3,358/mo
Today · 4.125%
HK$112,923
baseline
▲ 0.50% · 4.625%
HK$119,794
+HK$6,871/mo
Deposit HK$9.99M · loan HK$23.30M · min. income ≈ HK$225,846/mo (50% DSR)
Upfront cash ≈ HK$11.40M (deposit + AVD stamp duty HK$1,414,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,212
−HK$6,387/mo
▼ 0.25% · 3.875%
HK$121,383
−HK$3,216/mo
Today · 4.125%
HK$124,599
baseline
▲ 0.50% · 4.625%
HK$131,167
+HK$6,568/mo
Deposit HK$9.99M · loan HK$23.30M · min. income ≈ HK$249,198/mo (50% DSR)
Upfront cash ≈ HK$11.40M (deposit + AVD stamp duty HK$1,414,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,619
−HK$8,567/mo
▼ 0.25% · 3.875%
HK$140,869
−HK$4,317/mo
Today · 4.125%
HK$145,186
baseline
▲ 0.50% · 4.625%
HK$154,021
+HK$8,835/mo
Deposit HK$3.33M · loan HK$29.96M · min. income ≈ HK$290,372/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$1,414,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,987
−HK$8,212/mo
▼ 0.25% · 3.875%
HK$156,064
−HK$4,135/mo
Today · 4.125%
HK$160,199
baseline
▲ 0.50% · 4.625%
HK$168,643
+HK$8,444/mo
Deposit HK$3.33M · loan HK$29.96M · min. income ≈ HK$320,398/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$1,414,635 · Scale 2, in force from 26 Feb 2026)