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$75,898
−HK$4,760/mo
▼ 0.25% · 3.875%
HK$78,259
−HK$2,399/mo
Today · 4.125%
HK$80,658
baseline
▲ 0.50% · 4.625%
HK$85,565
+HK$4,907/mo
Deposit HK$16.64M · loan HK$16.64M · min. income ≈ HK$161,316/mo (50% DSR)
Upfront cash ≈ HK$18.06M (deposit + AVD stamp duty HK$1,414,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,436
−HK$4,562/mo
▼ 0.25% · 3.875%
HK$86,700
−HK$2,298/mo
Today · 4.125%
HK$88,998
baseline
▲ 0.50% · 4.625%
HK$93,689
+HK$4,691/mo
Deposit HK$16.64M · loan HK$16.64M · min. income ≈ HK$177,996/mo (50% DSR)
Upfront cash ≈ HK$18.06M (deposit + AVD stamp duty HK$1,414,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,078
−HK$5,711/mo
▼ 0.25% · 3.875%
HK$93,911
−HK$2,878/mo
Today · 4.125%
HK$96,789
baseline
▲ 0.50% · 4.625%
HK$102,678
+HK$5,889/mo
Deposit HK$13.31M · loan HK$19.97M · min. income ≈ HK$193,578/mo (50% DSR)
Upfront cash ≈ HK$14.73M (deposit + AVD stamp duty HK$1,414,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,323
−HK$5,474/mo
▼ 0.25% · 3.875%
HK$104,040
−HK$2,757/mo
Today · 4.125%
HK$106,797
baseline
▲ 0.50% · 4.625%
HK$112,427
+HK$5,630/mo
Deposit HK$13.31M · loan HK$19.97M · min. income ≈ HK$213,594/mo (50% DSR)
Upfront cash ≈ HK$14.73M (deposit + AVD stamp duty HK$1,414,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,257
−HK$6,664/mo
▼ 0.25% · 3.875%
HK$109,563
−HK$3,358/mo
Today · 4.125%
HK$112,921
baseline
▲ 0.50% · 4.625%
HK$119,792
+HK$6,871/mo
Deposit HK$9.99M · loan HK$23.30M · min. income ≈ HK$225,842/mo (50% DSR)
Upfront cash ≈ HK$11.40M (deposit + AVD stamp duty HK$1,414,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,210
−HK$6,387/mo
▼ 0.25% · 3.875%
HK$121,381
−HK$3,216/mo
Today · 4.125%
HK$124,597
baseline
▲ 0.50% · 4.625%
HK$131,164
+HK$6,567/mo
Deposit HK$9.99M · loan HK$23.30M · min. income ≈ HK$249,194/mo (50% DSR)
Upfront cash ≈ HK$11.40M (deposit + AVD stamp duty HK$1,414,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,617
−HK$8,567/mo
▼ 0.25% · 3.875%
HK$140,866
−HK$4,318/mo
Today · 4.125%
HK$145,184
baseline
▲ 0.50% · 4.625%
HK$154,018
+HK$8,834/mo
Deposit HK$3.33M · loan HK$29.96M · min. income ≈ HK$290,368/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$1,414,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,985
−HK$8,211/mo
▼ 0.25% · 3.875%
HK$156,061
−HK$4,135/mo
Today · 4.125%
HK$160,196
baseline
▲ 0.50% · 4.625%
HK$168,640
+HK$8,444/mo
Deposit HK$3.33M · loan HK$29.96M · min. income ≈ HK$320,392/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$1,414,609 · Scale 2, in force from 26 Feb 2026)