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$75,610
−HK$4,742/mo
▼ 0.25% · 3.875%
HK$77,962
−HK$2,390/mo
Today · 4.125%
HK$80,352
baseline
▲ 0.50% · 4.625%
HK$85,241
+HK$4,889/mo
Deposit HK$16.58M · loan HK$16.58M · min. income ≈ HK$160,704/mo (50% DSR)
Upfront cash ≈ HK$17.99M (deposit + AVD stamp duty HK$1,409,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,116
−HK$4,544/mo
▼ 0.25% · 3.875%
HK$86,372
−HK$2,288/mo
Today · 4.125%
HK$88,660
baseline
▲ 0.50% · 4.625%
HK$93,334
+HK$4,674/mo
Deposit HK$16.58M · loan HK$16.58M · min. income ≈ HK$177,320/mo (50% DSR)
Upfront cash ≈ HK$17.99M (deposit + AVD stamp duty HK$1,409,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,732
−HK$5,690/mo
▼ 0.25% · 3.875%
HK$93,555
−HK$2,867/mo
Today · 4.125%
HK$96,422
baseline
▲ 0.50% · 4.625%
HK$102,289
+HK$5,867/mo
Deposit HK$13.26M · loan HK$19.90M · min. income ≈ HK$192,844/mo (50% DSR)
Upfront cash ≈ HK$14.67M (deposit + AVD stamp duty HK$1,409,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,939
−HK$5,453/mo
▼ 0.25% · 3.875%
HK$103,646
−HK$2,746/mo
Today · 4.125%
HK$106,392
baseline
▲ 0.50% · 4.625%
HK$112,000
+HK$5,608/mo
Deposit HK$13.26M · loan HK$19.90M · min. income ≈ HK$212,784/mo (50% DSR)
Upfront cash ≈ HK$14.67M (deposit + AVD stamp duty HK$1,409,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,854
−HK$6,638/mo
▼ 0.25% · 3.875%
HK$109,147
−HK$3,345/mo
Today · 4.125%
HK$112,492
baseline
▲ 0.50% · 4.625%
HK$119,337
+HK$6,845/mo
Deposit HK$9.95M · loan HK$23.21M · min. income ≈ HK$224,984/mo (50% DSR)
Upfront cash ≈ HK$11.36M (deposit + AVD stamp duty HK$1,409,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,762
−HK$6,362/mo
▼ 0.25% · 3.875%
HK$120,920
−HK$3,204/mo
Today · 4.125%
HK$124,124
baseline
▲ 0.50% · 4.625%
HK$130,667
+HK$6,543/mo
Deposit HK$9.95M · loan HK$23.21M · min. income ≈ HK$248,248/mo (50% DSR)
Upfront cash ≈ HK$11.36M (deposit + AVD stamp duty HK$1,409,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,099
−HK$8,534/mo
▼ 0.25% · 3.875%
HK$140,332
−HK$4,301/mo
Today · 4.125%
HK$144,633
baseline
▲ 0.50% · 4.625%
HK$153,434
+HK$8,801/mo
Deposit HK$3.32M · loan HK$29.84M · min. income ≈ HK$289,266/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$1,409,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,408
−HK$8,180/mo
▼ 0.25% · 3.875%
HK$155,469
−HK$4,119/mo
Today · 4.125%
HK$159,588
baseline
▲ 0.50% · 4.625%
HK$168,001
+HK$8,413/mo
Deposit HK$3.32M · loan HK$29.84M · min. income ≈ HK$319,176/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$1,409,245 · Scale 2, in force from 26 Feb 2026)