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$75,642
−HK$4,743/mo
▼ 0.25% · 3.875%
HK$77,995
−HK$2,390/mo
Today · 4.125%
HK$80,385
baseline
▲ 0.50% · 4.625%
HK$85,276
+HK$4,891/mo
Deposit HK$16.59M · loan HK$16.59M · min. income ≈ HK$160,770/mo (50% DSR)
Upfront cash ≈ HK$18.00M (deposit + AVD stamp duty HK$1,409,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,151
−HK$4,546/mo
▼ 0.25% · 3.875%
HK$86,407
−HK$2,290/mo
Today · 4.125%
HK$88,697
baseline
▲ 0.50% · 4.625%
HK$93,372
+HK$4,675/mo
Deposit HK$16.59M · loan HK$16.59M · min. income ≈ HK$177,394/mo (50% DSR)
Upfront cash ≈ HK$18.00M (deposit + AVD stamp duty HK$1,409,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,770
−HK$5,692/mo
▼ 0.25% · 3.875%
HK$93,593
−HK$2,869/mo
Today · 4.125%
HK$96,462
baseline
▲ 0.50% · 4.625%
HK$102,332
+HK$5,870/mo
Deposit HK$13.27M · loan HK$19.90M · min. income ≈ HK$192,924/mo (50% DSR)
Upfront cash ≈ HK$14.68M (deposit + AVD stamp duty HK$1,409,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,981
−HK$5,455/mo
▼ 0.25% · 3.875%
HK$103,689
−HK$2,747/mo
Today · 4.125%
HK$106,436
baseline
▲ 0.50% · 4.625%
HK$112,047
+HK$5,611/mo
Deposit HK$13.27M · loan HK$19.90M · min. income ≈ HK$212,872/mo (50% DSR)
Upfront cash ≈ HK$14.68M (deposit + AVD stamp duty HK$1,409,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,898
−HK$6,641/mo
▼ 0.25% · 3.875%
HK$109,192
−HK$3,347/mo
Today · 4.125%
HK$112,539
baseline
▲ 0.50% · 4.625%
HK$119,387
+HK$6,848/mo
Deposit HK$9.95M · loan HK$23.22M · min. income ≈ HK$225,078/mo (50% DSR)
Upfront cash ≈ HK$11.36M (deposit + AVD stamp duty HK$1,409,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,811
−HK$6,365/mo
▼ 0.25% · 3.875%
HK$120,970
−HK$3,206/mo
Today · 4.125%
HK$124,176
baseline
▲ 0.50% · 4.625%
HK$130,721
+HK$6,545/mo
Deposit HK$9.95M · loan HK$23.22M · min. income ≈ HK$248,352/mo (50% DSR)
Upfront cash ≈ HK$11.36M (deposit + AVD stamp duty HK$1,409,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,155
−HK$8,538/mo
▼ 0.25% · 3.875%
HK$140,390
−HK$4,303/mo
Today · 4.125%
HK$144,693
baseline
▲ 0.50% · 4.625%
HK$153,497
+HK$8,804/mo
Deposit HK$3.32M · loan HK$29.86M · min. income ≈ HK$289,386/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$1,409,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,471
−HK$8,184/mo
▼ 0.25% · 3.875%
HK$155,533
−HK$4,122/mo
Today · 4.125%
HK$159,655
baseline
▲ 0.50% · 4.625%
HK$168,070
+HK$8,415/mo
Deposit HK$3.32M · loan HK$29.86M · min. income ≈ HK$319,310/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$1,409,829 · Scale 2, in force from 26 Feb 2026)