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$75,791
−HK$4,752/mo
▼ 0.25% · 3.875%
HK$78,148
−HK$2,395/mo
Today · 4.125%
HK$80,543
baseline
▲ 0.50% · 4.625%
HK$85,444
+HK$4,901/mo
Deposit HK$16.62M · loan HK$16.62M · min. income ≈ HK$161,086/mo (50% DSR)
Upfront cash ≈ HK$18.03M (deposit + AVD stamp duty HK$1,412,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,316
−HK$4,556/mo
▼ 0.25% · 3.875%
HK$86,578
−HK$2,294/mo
Today · 4.125%
HK$88,872
baseline
▲ 0.50% · 4.625%
HK$93,556
+HK$4,684/mo
Deposit HK$16.62M · loan HK$16.62M · min. income ≈ HK$177,744/mo (50% DSR)
Upfront cash ≈ HK$18.03M (deposit + AVD stamp duty HK$1,412,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,949
−HK$5,703/mo
▼ 0.25% · 3.875%
HK$93,778
−HK$2,874/mo
Today · 4.125%
HK$96,652
baseline
▲ 0.50% · 4.625%
HK$102,533
+HK$5,881/mo
Deposit HK$13.30M · loan HK$19.94M · min. income ≈ HK$193,304/mo (50% DSR)
Upfront cash ≈ HK$14.71M (deposit + AVD stamp duty HK$1,412,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,179
−HK$5,467/mo
▼ 0.25% · 3.875%
HK$103,893
−HK$2,753/mo
Today · 4.125%
HK$106,646
baseline
▲ 0.50% · 4.625%
HK$112,267
+HK$5,621/mo
Deposit HK$13.30M · loan HK$19.94M · min. income ≈ HK$213,292/mo (50% DSR)
Upfront cash ≈ HK$14.71M (deposit + AVD stamp duty HK$1,412,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,107
−HK$6,654/mo
▼ 0.25% · 3.875%
HK$109,407
−HK$3,354/mo
Today · 4.125%
HK$112,761
baseline
▲ 0.50% · 4.625%
HK$119,622
+HK$6,861/mo
Deposit HK$9.97M · loan HK$23.27M · min. income ≈ HK$225,522/mo (50% DSR)
Upfront cash ≈ HK$11.38M (deposit + AVD stamp duty HK$1,412,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,043
−HK$6,377/mo
▼ 0.25% · 3.875%
HK$121,209
−HK$3,211/mo
Today · 4.125%
HK$124,420
baseline
▲ 0.50% · 4.625%
HK$130,979
+HK$6,559/mo
Deposit HK$9.97M · loan HK$23.27M · min. income ≈ HK$248,840/mo (50% DSR)
Upfront cash ≈ HK$11.38M (deposit + AVD stamp duty HK$1,412,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,423
−HK$8,555/mo
▼ 0.25% · 3.875%
HK$140,667
−HK$4,311/mo
Today · 4.125%
HK$144,978
baseline
▲ 0.50% · 4.625%
HK$153,800
+HK$8,822/mo
Deposit HK$3.32M · loan HK$29.91M · min. income ≈ HK$289,956/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$1,412,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,769
−HK$8,200/mo
▼ 0.25% · 3.875%
HK$155,840
−HK$4,129/mo
Today · 4.125%
HK$159,969
baseline
▲ 0.50% · 4.625%
HK$168,401
+HK$8,432/mo
Deposit HK$3.32M · loan HK$29.91M · min. income ≈ HK$319,938/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$1,412,604 · Scale 2, in force from 26 Feb 2026)