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$75,676
−HK$4,745/mo
▼ 0.25% · 3.875%
HK$78,030
−HK$2,391/mo
Today · 4.125%
HK$80,421
baseline
▲ 0.50% · 4.625%
HK$85,315
+HK$4,894/mo
Deposit HK$16.59M · loan HK$16.59M · min. income ≈ HK$160,842/mo (50% DSR)
Upfront cash ≈ HK$18.00M (deposit + AVD stamp duty HK$1,410,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,188
−HK$4,549/mo
▼ 0.25% · 3.875%
HK$86,446
−HK$2,291/mo
Today · 4.125%
HK$88,737
baseline
▲ 0.50% · 4.625%
HK$93,414
+HK$4,677/mo
Deposit HK$16.59M · loan HK$16.59M · min. income ≈ HK$177,474/mo (50% DSR)
Upfront cash ≈ HK$18.00M (deposit + AVD stamp duty HK$1,410,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,811
−HK$5,694/mo
▼ 0.25% · 3.875%
HK$93,635
−HK$2,870/mo
Today · 4.125%
HK$96,505
baseline
▲ 0.50% · 4.625%
HK$102,377
+HK$5,872/mo
Deposit HK$13.27M · loan HK$19.91M · min. income ≈ HK$193,010/mo (50% DSR)
Upfront cash ≈ HK$14.69M (deposit + AVD stamp duty HK$1,410,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,026
−HK$5,458/mo
▼ 0.25% · 3.875%
HK$103,735
−HK$2,749/mo
Today · 4.125%
HK$106,484
baseline
▲ 0.50% · 4.625%
HK$112,097
+HK$5,613/mo
Deposit HK$13.27M · loan HK$19.91M · min. income ≈ HK$212,968/mo (50% DSR)
Upfront cash ≈ HK$14.69M (deposit + AVD stamp duty HK$1,410,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,946
−HK$6,644/mo
▼ 0.25% · 3.875%
HK$109,241
−HK$3,349/mo
Today · 4.125%
HK$112,590
baseline
▲ 0.50% · 4.625%
HK$119,440
+HK$6,850/mo
Deposit HK$9.96M · loan HK$23.23M · min. income ≈ HK$225,180/mo (50% DSR)
Upfront cash ≈ HK$11.37M (deposit + AVD stamp duty HK$1,410,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,864
−HK$6,367/mo
▼ 0.25% · 3.875%
HK$121,025
−HK$3,206/mo
Today · 4.125%
HK$124,231
baseline
▲ 0.50% · 4.625%
HK$130,780
+HK$6,549/mo
Deposit HK$9.96M · loan HK$23.23M · min. income ≈ HK$248,462/mo (50% DSR)
Upfront cash ≈ HK$11.37M (deposit + AVD stamp duty HK$1,410,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,216
−HK$8,542/mo
▼ 0.25% · 3.875%
HK$140,453
−HK$4,305/mo
Today · 4.125%
HK$144,758
baseline
▲ 0.50% · 4.625%
HK$153,566
+HK$8,808/mo
Deposit HK$3.32M · loan HK$29.87M · min. income ≈ HK$289,516/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$1,410,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,539
−HK$8,187/mo
▼ 0.25% · 3.875%
HK$155,603
−HK$4,123/mo
Today · 4.125%
HK$159,726
baseline
▲ 0.50% · 4.625%
HK$168,146
+HK$8,420/mo
Deposit HK$3.32M · loan HK$29.87M · min. income ≈ HK$319,452/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$1,410,461 · Scale 2, in force from 26 Feb 2026)