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$75,650
−HK$4,744/mo
▼ 0.25% · 3.875%
HK$78,003
−HK$2,391/mo
Today · 4.125%
HK$80,394
baseline
▲ 0.50% · 4.625%
HK$85,286
+HK$4,892/mo
Deposit HK$16.59M · loan HK$16.59M · min. income ≈ HK$160,788/mo (50% DSR)
Upfront cash ≈ HK$18.00M (deposit + AVD stamp duty HK$1,409,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,160
−HK$4,547/mo
▼ 0.25% · 3.875%
HK$86,417
−HK$2,290/mo
Today · 4.125%
HK$88,707
baseline
▲ 0.50% · 4.625%
HK$93,383
+HK$4,676/mo
Deposit HK$16.59M · loan HK$16.59M · min. income ≈ HK$177,414/mo (50% DSR)
Upfront cash ≈ HK$18.00M (deposit + AVD stamp duty HK$1,409,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,780
−HK$5,693/mo
▼ 0.25% · 3.875%
HK$93,604
−HK$2,869/mo
Today · 4.125%
HK$96,473
baseline
▲ 0.50% · 4.625%
HK$102,343
+HK$5,870/mo
Deposit HK$13.27M · loan HK$19.91M · min. income ≈ HK$192,946/mo (50% DSR)
Upfront cash ≈ HK$14.68M (deposit + AVD stamp duty HK$1,409,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,992
−HK$5,456/mo
▼ 0.25% · 3.875%
HK$103,700
−HK$2,748/mo
Today · 4.125%
HK$106,448
baseline
▲ 0.50% · 4.625%
HK$112,059
+HK$5,611/mo
Deposit HK$13.27M · loan HK$19.91M · min. income ≈ HK$212,896/mo (50% DSR)
Upfront cash ≈ HK$14.68M (deposit + AVD stamp duty HK$1,409,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,910
−HK$6,642/mo
▼ 0.25% · 3.875%
HK$109,204
−HK$3,348/mo
Today · 4.125%
HK$112,552
baseline
▲ 0.50% · 4.625%
HK$119,400
+HK$6,848/mo
Deposit HK$9.95M · loan HK$23.22M · min. income ≈ HK$225,104/mo (50% DSR)
Upfront cash ≈ HK$11.36M (deposit + AVD stamp duty HK$1,409,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,824
−HK$6,366/mo
▼ 0.25% · 3.875%
HK$120,984
−HK$3,206/mo
Today · 4.125%
HK$124,190
baseline
▲ 0.50% · 4.625%
HK$130,736
+HK$6,546/mo
Deposit HK$9.95M · loan HK$23.22M · min. income ≈ HK$248,380/mo (50% DSR)
Upfront cash ≈ HK$11.36M (deposit + AVD stamp duty HK$1,409,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,170
−HK$8,539/mo
▼ 0.25% · 3.875%
HK$140,406
−HK$4,303/mo
Today · 4.125%
HK$144,709
baseline
▲ 0.50% · 4.625%
HK$153,514
+HK$8,805/mo
Deposit HK$3.32M · loan HK$29.86M · min. income ≈ HK$289,418/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$1,409,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,488
−HK$8,184/mo
▼ 0.25% · 3.875%
HK$155,551
−HK$4,121/mo
Today · 4.125%
HK$159,672
baseline
▲ 0.50% · 4.625%
HK$168,089
+HK$8,417/mo
Deposit HK$3.32M · loan HK$29.86M · min. income ≈ HK$319,344/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$1,409,985 · Scale 2, in force from 26 Feb 2026)