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$75,703
−HK$4,747/mo
▼ 0.25% · 3.875%
HK$78,057
−HK$2,393/mo
Today · 4.125%
HK$80,450
baseline
▲ 0.50% · 4.625%
HK$85,345
+HK$4,895/mo
Deposit HK$16.60M · loan HK$16.60M · min. income ≈ HK$160,900/mo (50% DSR)
Upfront cash ≈ HK$18.01M (deposit + AVD stamp duty HK$1,410,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,218
−HK$4,550/mo
▼ 0.25% · 3.875%
HK$86,477
−HK$2,291/mo
Today · 4.125%
HK$88,768
baseline
▲ 0.50% · 4.625%
HK$93,448
+HK$4,680/mo
Deposit HK$16.60M · loan HK$16.60M · min. income ≈ HK$177,536/mo (50% DSR)
Upfront cash ≈ HK$18.01M (deposit + AVD stamp duty HK$1,410,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,843
−HK$5,697/mo
▼ 0.25% · 3.875%
HK$93,669
−HK$2,871/mo
Today · 4.125%
HK$96,540
baseline
▲ 0.50% · 4.625%
HK$102,414
+HK$5,874/mo
Deposit HK$13.28M · loan HK$19.92M · min. income ≈ HK$193,080/mo (50% DSR)
Upfront cash ≈ HK$14.69M (deposit + AVD stamp duty HK$1,410,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,062
−HK$5,460/mo
▼ 0.25% · 3.875%
HK$103,772
−HK$2,750/mo
Today · 4.125%
HK$106,522
baseline
▲ 0.50% · 4.625%
HK$112,137
+HK$5,615/mo
Deposit HK$13.28M · loan HK$19.92M · min. income ≈ HK$213,044/mo (50% DSR)
Upfront cash ≈ HK$14.69M (deposit + AVD stamp duty HK$1,410,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,984
−HK$6,646/mo
▼ 0.25% · 3.875%
HK$109,280
−HK$3,350/mo
Today · 4.125%
HK$112,630
baseline
▲ 0.50% · 4.625%
HK$119,483
+HK$6,853/mo
Deposit HK$9.96M · loan HK$23.24M · min. income ≈ HK$225,260/mo (50% DSR)
Upfront cash ≈ HK$11.37M (deposit + AVD stamp duty HK$1,410,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,906
−HK$6,370/mo
▼ 0.25% · 3.875%
HK$121,068
−HK$3,208/mo
Today · 4.125%
HK$124,276
baseline
▲ 0.50% · 4.625%
HK$130,827
+HK$6,551/mo
Deposit HK$9.96M · loan HK$23.24M · min. income ≈ HK$248,552/mo (50% DSR)
Upfront cash ≈ HK$11.37M (deposit + AVD stamp duty HK$1,410,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,265
−HK$8,545/mo
▼ 0.25% · 3.875%
HK$140,503
−HK$4,307/mo
Today · 4.125%
HK$144,810
baseline
▲ 0.50% · 4.625%
HK$153,621
+HK$8,811/mo
Deposit HK$3.32M · loan HK$29.88M · min. income ≈ HK$289,620/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$1,410,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,593
−HK$8,190/mo
▼ 0.25% · 3.875%
HK$155,659
−HK$4,124/mo
Today · 4.125%
HK$159,783
baseline
▲ 0.50% · 4.625%
HK$168,206
+HK$8,423/mo
Deposit HK$3.32M · loan HK$29.88M · min. income ≈ HK$319,566/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$1,410,964 · Scale 2, in force from 26 Feb 2026)