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$75,862
−HK$4,757/mo
▼ 0.25% · 3.875%
HK$78,221
−HK$2,398/mo
Today · 4.125%
HK$80,619
baseline
▲ 0.50% · 4.625%
HK$85,524
+HK$4,905/mo
Deposit HK$16.63M · loan HK$16.63M · min. income ≈ HK$161,238/mo (50% DSR)
Upfront cash ≈ HK$18.05M (deposit + AVD stamp duty HK$1,413,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,395
−HK$4,560/mo
▼ 0.25% · 3.875%
HK$86,659
−HK$2,296/mo
Today · 4.125%
HK$88,955
baseline
▲ 0.50% · 4.625%
HK$93,644
+HK$4,689/mo
Deposit HK$16.63M · loan HK$16.63M · min. income ≈ HK$177,910/mo (50% DSR)
Upfront cash ≈ HK$18.05M (deposit + AVD stamp duty HK$1,413,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,034
−HK$5,709/mo
▼ 0.25% · 3.875%
HK$93,866
−HK$2,877/mo
Today · 4.125%
HK$96,743
baseline
▲ 0.50% · 4.625%
HK$102,629
+HK$5,886/mo
Deposit HK$13.31M · loan HK$19.96M · min. income ≈ HK$193,486/mo (50% DSR)
Upfront cash ≈ HK$14.72M (deposit + AVD stamp duty HK$1,413,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,274
−HK$5,472/mo
▼ 0.25% · 3.875%
HK$103,990
−HK$2,756/mo
Today · 4.125%
HK$106,746
baseline
▲ 0.50% · 4.625%
HK$112,373
+HK$5,627/mo
Deposit HK$13.31M · loan HK$19.96M · min. income ≈ HK$213,492/mo (50% DSR)
Upfront cash ≈ HK$14.72M (deposit + AVD stamp duty HK$1,413,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,206
−HK$6,660/mo
▼ 0.25% · 3.875%
HK$109,510
−HK$3,356/mo
Today · 4.125%
HK$112,866
baseline
▲ 0.50% · 4.625%
HK$119,734
+HK$6,868/mo
Deposit HK$9.98M · loan HK$23.29M · min. income ≈ HK$225,732/mo (50% DSR)
Upfront cash ≈ HK$11.39M (deposit + AVD stamp duty HK$1,413,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,153
−HK$6,384/mo
▼ 0.25% · 3.875%
HK$121,322
−HK$3,215/mo
Today · 4.125%
HK$124,537
baseline
▲ 0.50% · 4.625%
HK$131,101
+HK$6,564/mo
Deposit HK$9.98M · loan HK$23.29M · min. income ≈ HK$249,074/mo (50% DSR)
Upfront cash ≈ HK$11.39M (deposit + AVD stamp duty HK$1,413,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,551
−HK$8,563/mo
▼ 0.25% · 3.875%
HK$140,798
−HK$4,316/mo
Today · 4.125%
HK$145,114
baseline
▲ 0.50% · 4.625%
HK$153,944
+HK$8,830/mo
Deposit HK$3.33M · loan HK$29.94M · min. income ≈ HK$290,228/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$1,413,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,911
−HK$8,208/mo
▼ 0.25% · 3.875%
HK$155,986
−HK$4,133/mo
Today · 4.125%
HK$160,119
baseline
▲ 0.50% · 4.625%
HK$168,559
+HK$8,440/mo
Deposit HK$3.33M · loan HK$29.94M · min. income ≈ HK$320,238/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$1,413,928 · Scale 2, in force from 26 Feb 2026)