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$75,891
−HK$4,759/mo
▼ 0.25% · 3.875%
HK$78,251
−HK$2,399/mo
Today · 4.125%
HK$80,650
baseline
▲ 0.50% · 4.625%
HK$85,557
+HK$4,907/mo
Deposit HK$16.64M · loan HK$16.64M · min. income ≈ HK$161,300/mo (50% DSR)
Upfront cash ≈ HK$18.06M (deposit + AVD stamp duty HK$1,414,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,428
−HK$4,561/mo
▼ 0.25% · 3.875%
HK$86,692
−HK$2,297/mo
Today · 4.125%
HK$88,989
baseline
▲ 0.50% · 4.625%
HK$93,680
+HK$4,691/mo
Deposit HK$16.64M · loan HK$16.64M · min. income ≈ HK$177,978/mo (50% DSR)
Upfront cash ≈ HK$18.06M (deposit + AVD stamp duty HK$1,414,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,069
−HK$5,711/mo
▼ 0.25% · 3.875%
HK$93,902
−HK$2,878/mo
Today · 4.125%
HK$96,780
baseline
▲ 0.50% · 4.625%
HK$102,669
+HK$5,889/mo
Deposit HK$13.31M · loan HK$19.97M · min. income ≈ HK$193,560/mo (50% DSR)
Upfront cash ≈ HK$14.73M (deposit + AVD stamp duty HK$1,414,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,313
−HK$5,474/mo
▼ 0.25% · 3.875%
HK$104,030
−HK$2,757/mo
Today · 4.125%
HK$106,787
baseline
▲ 0.50% · 4.625%
HK$112,416
+HK$5,629/mo
Deposit HK$13.31M · loan HK$19.97M · min. income ≈ HK$213,574/mo (50% DSR)
Upfront cash ≈ HK$14.73M (deposit + AVD stamp duty HK$1,414,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,247
−HK$6,663/mo
▼ 0.25% · 3.875%
HK$109,552
−HK$3,358/mo
Today · 4.125%
HK$112,910
baseline
▲ 0.50% · 4.625%
HK$119,780
+HK$6,870/mo
Deposit HK$9.98M · loan HK$23.30M · min. income ≈ HK$225,820/mo (50% DSR)
Upfront cash ≈ HK$11.40M (deposit + AVD stamp duty HK$1,414,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,199
−HK$6,386/mo
▼ 0.25% · 3.875%
HK$121,369
−HK$3,216/mo
Today · 4.125%
HK$124,585
baseline
▲ 0.50% · 4.625%
HK$131,152
+HK$6,567/mo
Deposit HK$9.98M · loan HK$23.30M · min. income ≈ HK$249,170/mo (50% DSR)
Upfront cash ≈ HK$11.40M (deposit + AVD stamp duty HK$1,414,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,603
−HK$8,567/mo
▼ 0.25% · 3.875%
HK$140,853
−HK$4,317/mo
Today · 4.125%
HK$145,170
baseline
▲ 0.50% · 4.625%
HK$154,003
+HK$8,833/mo
Deposit HK$3.33M · loan HK$29.95M · min. income ≈ HK$290,340/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$1,414,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,970
−HK$8,210/mo
▼ 0.25% · 3.875%
HK$156,046
−HK$4,134/mo
Today · 4.125%
HK$160,180
baseline
▲ 0.50% · 4.625%
HK$168,624
+HK$8,444/mo
Deposit HK$3.33M · loan HK$29.95M · min. income ≈ HK$320,360/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$1,414,473 · Scale 2, in force from 26 Feb 2026)