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$75,659
−HK$4,744/mo
▼ 0.25% · 3.875%
HK$78,012
−HK$2,391/mo
Today · 4.125%
HK$80,403
baseline
▲ 0.50% · 4.625%
HK$85,295
+HK$4,892/mo
Deposit HK$16.59M · loan HK$16.59M · min. income ≈ HK$160,806/mo (50% DSR)
Upfront cash ≈ HK$18.00M (deposit + AVD stamp duty HK$1,410,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,169
−HK$4,548/mo
▼ 0.25% · 3.875%
HK$86,427
−HK$2,290/mo
Today · 4.125%
HK$88,717
baseline
▲ 0.50% · 4.625%
HK$93,393
+HK$4,676/mo
Deposit HK$16.59M · loan HK$16.59M · min. income ≈ HK$177,434/mo (50% DSR)
Upfront cash ≈ HK$18.00M (deposit + AVD stamp duty HK$1,410,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,790
−HK$5,694/mo
▼ 0.25% · 3.875%
HK$93,614
−HK$2,870/mo
Today · 4.125%
HK$96,484
baseline
▲ 0.50% · 4.625%
HK$102,354
+HK$5,870/mo
Deposit HK$13.27M · loan HK$19.91M · min. income ≈ HK$192,968/mo (50% DSR)
Upfront cash ≈ HK$14.68M (deposit + AVD stamp duty HK$1,410,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,003
−HK$5,457/mo
▼ 0.25% · 3.875%
HK$103,712
−HK$2,748/mo
Today · 4.125%
HK$106,460
baseline
▲ 0.50% · 4.625%
HK$112,072
+HK$5,612/mo
Deposit HK$13.27M · loan HK$19.91M · min. income ≈ HK$212,920/mo (50% DSR)
Upfront cash ≈ HK$14.68M (deposit + AVD stamp duty HK$1,410,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,922
−HK$6,642/mo
▼ 0.25% · 3.875%
HK$109,217
−HK$3,347/mo
Today · 4.125%
HK$112,564
baseline
▲ 0.50% · 4.625%
HK$119,413
+HK$6,849/mo
Deposit HK$9.95M · loan HK$23.23M · min. income ≈ HK$225,128/mo (50% DSR)
Upfront cash ≈ HK$11.36M (deposit + AVD stamp duty HK$1,410,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,837
−HK$6,367/mo
▼ 0.25% · 3.875%
HK$120,997
−HK$3,207/mo
Today · 4.125%
HK$124,204
baseline
▲ 0.50% · 4.625%
HK$130,750
+HK$6,546/mo
Deposit HK$9.95M · loan HK$23.23M · min. income ≈ HK$248,408/mo (50% DSR)
Upfront cash ≈ HK$11.36M (deposit + AVD stamp duty HK$1,410,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,185
−HK$8,540/mo
▼ 0.25% · 3.875%
HK$140,422
−HK$4,303/mo
Today · 4.125%
HK$144,725
baseline
▲ 0.50% · 4.625%
HK$153,532
+HK$8,807/mo
Deposit HK$3.32M · loan HK$29.86M · min. income ≈ HK$289,450/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$1,410,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,505
−HK$8,185/mo
▼ 0.25% · 3.875%
HK$155,568
−HK$4,122/mo
Today · 4.125%
HK$159,690
baseline
▲ 0.50% · 4.625%
HK$168,108
+HK$8,418/mo
Deposit HK$3.32M · loan HK$29.86M · min. income ≈ HK$319,380/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$1,410,144 · Scale 2, in force from 26 Feb 2026)