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$75,732
−HK$4,750/mo
▼ 0.25% · 3.875%
HK$78,088
−HK$2,394/mo
Today · 4.125%
HK$80,482
baseline
▲ 0.50% · 4.625%
HK$85,379
+HK$4,897/mo
Deposit HK$16.61M · loan HK$16.61M · min. income ≈ HK$160,964/mo (50% DSR)
Upfront cash ≈ HK$18.02M (deposit + AVD stamp duty HK$1,411,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,252
−HK$4,551/mo
▼ 0.25% · 3.875%
HK$86,511
−HK$2,292/mo
Today · 4.125%
HK$88,803
baseline
▲ 0.50% · 4.625%
HK$93,484
+HK$4,681/mo
Deposit HK$16.61M · loan HK$16.61M · min. income ≈ HK$177,606/mo (50% DSR)
Upfront cash ≈ HK$18.02M (deposit + AVD stamp duty HK$1,411,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,879
−HK$5,699/mo
▼ 0.25% · 3.875%
HK$93,706
−HK$2,872/mo
Today · 4.125%
HK$96,578
baseline
▲ 0.50% · 4.625%
HK$102,454
+HK$5,876/mo
Deposit HK$13.28M · loan HK$19.93M · min. income ≈ HK$193,156/mo (50% DSR)
Upfront cash ≈ HK$14.70M (deposit + AVD stamp duty HK$1,411,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,102
−HK$5,462/mo
▼ 0.25% · 3.875%
HK$103,813
−HK$2,751/mo
Today · 4.125%
HK$106,564
baseline
▲ 0.50% · 4.625%
HK$112,181
+HK$5,617/mo
Deposit HK$13.28M · loan HK$19.93M · min. income ≈ HK$213,128/mo (50% DSR)
Upfront cash ≈ HK$14.70M (deposit + AVD stamp duty HK$1,411,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,025
−HK$6,649/mo
▼ 0.25% · 3.875%
HK$109,323
−HK$3,351/mo
Today · 4.125%
HK$112,674
baseline
▲ 0.50% · 4.625%
HK$119,530
+HK$6,856/mo
Deposit HK$9.96M · loan HK$23.25M · min. income ≈ HK$225,348/mo (50% DSR)
Upfront cash ≈ HK$11.38M (deposit + AVD stamp duty HK$1,411,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,952
−HK$6,373/mo
▼ 0.25% · 3.875%
HK$121,116
−HK$3,209/mo
Today · 4.125%
HK$124,325
baseline
▲ 0.50% · 4.625%
HK$130,878
+HK$6,553/mo
Deposit HK$9.96M · loan HK$23.25M · min. income ≈ HK$248,650/mo (50% DSR)
Upfront cash ≈ HK$11.38M (deposit + AVD stamp duty HK$1,411,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,318
−HK$8,549/mo
▼ 0.25% · 3.875%
HK$140,559
−HK$4,308/mo
Today · 4.125%
HK$144,867
baseline
▲ 0.50% · 4.625%
HK$153,682
+HK$8,815/mo
Deposit HK$3.32M · loan HK$29.89M · min. income ≈ HK$289,734/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$1,411,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,653
−HK$8,193/mo
▼ 0.25% · 3.875%
HK$155,720
−HK$4,126/mo
Today · 4.125%
HK$159,846
baseline
▲ 0.50% · 4.625%
HK$168,272
+HK$8,426/mo
Deposit HK$3.32M · loan HK$29.89M · min. income ≈ HK$319,692/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$1,411,521 · Scale 2, in force from 26 Feb 2026)