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$75,906
−HK$4,760/mo
▼ 0.25% · 3.875%
HK$78,267
−HK$2,399/mo
Today · 4.125%
HK$80,666
baseline
▲ 0.50% · 4.625%
HK$85,574
+HK$4,908/mo
Deposit HK$16.64M · loan HK$16.64M · min. income ≈ HK$161,332/mo (50% DSR)
Upfront cash ≈ HK$18.06M (deposit + AVD stamp duty HK$1,414,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,444
−HK$4,562/mo
▼ 0.25% · 3.875%
HK$86,709
−HK$2,297/mo
Today · 4.125%
HK$89,006
baseline
▲ 0.50% · 4.625%
HK$93,698
+HK$4,692/mo
Deposit HK$16.64M · loan HK$16.64M · min. income ≈ HK$178,012/mo (50% DSR)
Upfront cash ≈ HK$18.06M (deposit + AVD stamp duty HK$1,414,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,087
−HK$5,712/mo
▼ 0.25% · 3.875%
HK$93,920
−HK$2,879/mo
Today · 4.125%
HK$96,799
baseline
▲ 0.50% · 4.625%
HK$102,689
+HK$5,890/mo
Deposit HK$13.32M · loan HK$19.97M · min. income ≈ HK$193,598/mo (50% DSR)
Upfront cash ≈ HK$14.73M (deposit + AVD stamp duty HK$1,414,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,333
−HK$5,475/mo
▼ 0.25% · 3.875%
HK$104,051
−HK$2,757/mo
Today · 4.125%
HK$106,808
baseline
▲ 0.50% · 4.625%
HK$112,438
+HK$5,630/mo
Deposit HK$13.32M · loan HK$19.97M · min. income ≈ HK$213,616/mo (50% DSR)
Upfront cash ≈ HK$14.73M (deposit + AVD stamp duty HK$1,414,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,268
−HK$6,664/mo
▼ 0.25% · 3.875%
HK$109,573
−HK$3,359/mo
Today · 4.125%
HK$112,932
baseline
▲ 0.50% · 4.625%
HK$119,803
+HK$6,871/mo
Deposit HK$9.99M · loan HK$23.30M · min. income ≈ HK$225,864/mo (50% DSR)
Upfront cash ≈ HK$11.40M (deposit + AVD stamp duty HK$1,414,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,222
−HK$6,387/mo
▼ 0.25% · 3.875%
HK$121,393
−HK$3,216/mo
Today · 4.125%
HK$124,609
baseline
▲ 0.50% · 4.625%
HK$131,177
+HK$6,568/mo
Deposit HK$9.99M · loan HK$23.30M · min. income ≈ HK$249,218/mo (50% DSR)
Upfront cash ≈ HK$11.40M (deposit + AVD stamp duty HK$1,414,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,630
−HK$8,568/mo
▼ 0.25% · 3.875%
HK$140,880
−HK$4,318/mo
Today · 4.125%
HK$145,198
baseline
▲ 0.50% · 4.625%
HK$154,033
+HK$8,835/mo
Deposit HK$3.33M · loan HK$29.96M · min. income ≈ HK$290,396/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$1,414,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,000
−HK$8,212/mo
▼ 0.25% · 3.875%
HK$156,076
−HK$4,136/mo
Today · 4.125%
HK$160,212
baseline
▲ 0.50% · 4.625%
HK$168,657
+HK$8,445/mo
Deposit HK$3.33M · loan HK$29.96M · min. income ≈ HK$320,424/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$1,414,748 · Scale 2, in force from 26 Feb 2026)