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$75,764
−HK$4,751/mo
▼ 0.25% · 3.875%
HK$78,121
−HK$2,394/mo
Today · 4.125%
HK$80,515
baseline
▲ 0.50% · 4.625%
HK$85,414
+HK$4,899/mo
Deposit HK$16.61M · loan HK$16.61M · min. income ≈ HK$161,030/mo (50% DSR)
Upfront cash ≈ HK$18.03M (deposit + AVD stamp duty HK$1,412,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,287
−HK$4,553/mo
▼ 0.25% · 3.875%
HK$86,547
−HK$2,293/mo
Today · 4.125%
HK$88,840
baseline
▲ 0.50% · 4.625%
HK$93,523
+HK$4,683/mo
Deposit HK$16.61M · loan HK$16.61M · min. income ≈ HK$177,680/mo (50% DSR)
Upfront cash ≈ HK$18.03M (deposit + AVD stamp duty HK$1,412,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,917
−HK$5,701/mo
▼ 0.25% · 3.875%
HK$93,745
−HK$2,873/mo
Today · 4.125%
HK$96,618
baseline
▲ 0.50% · 4.625%
HK$102,497
+HK$5,879/mo
Deposit HK$13.29M · loan HK$19.94M · min. income ≈ HK$193,236/mo (50% DSR)
Upfront cash ≈ HK$14.70M (deposit + AVD stamp duty HK$1,412,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,144
−HK$5,464/mo
▼ 0.25% · 3.875%
HK$103,857
−HK$2,751/mo
Today · 4.125%
HK$106,608
baseline
▲ 0.50% · 4.625%
HK$112,228
+HK$5,620/mo
Deposit HK$13.29M · loan HK$19.94M · min. income ≈ HK$213,216/mo (50% DSR)
Upfront cash ≈ HK$14.70M (deposit + AVD stamp duty HK$1,412,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,070
−HK$6,651/mo
▼ 0.25% · 3.875%
HK$109,369
−HK$3,352/mo
Today · 4.125%
HK$112,721
baseline
▲ 0.50% · 4.625%
HK$119,580
+HK$6,859/mo
Deposit HK$9.97M · loan HK$23.26M · min. income ≈ HK$225,442/mo (50% DSR)
Upfront cash ≈ HK$11.38M (deposit + AVD stamp duty HK$1,412,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,001
−HK$6,376/mo
▼ 0.25% · 3.875%
HK$121,166
−HK$3,211/mo
Today · 4.125%
HK$124,377
baseline
▲ 0.50% · 4.625%
HK$130,933
+HK$6,556/mo
Deposit HK$9.97M · loan HK$23.26M · min. income ≈ HK$248,754/mo (50% DSR)
Upfront cash ≈ HK$11.38M (deposit + AVD stamp duty HK$1,412,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,375
−HK$8,552/mo
▼ 0.25% · 3.875%
HK$140,617
−HK$4,310/mo
Today · 4.125%
HK$144,927
baseline
▲ 0.50% · 4.625%
HK$153,746
+HK$8,819/mo
Deposit HK$3.32M · loan HK$29.90M · min. income ≈ HK$289,854/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$1,412,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,716
−HK$8,197/mo
▼ 0.25% · 3.875%
HK$155,785
−HK$4,128/mo
Today · 4.125%
HK$159,913
baseline
▲ 0.50% · 4.625%
HK$168,342
+HK$8,429/mo
Deposit HK$3.32M · loan HK$29.90M · min. income ≈ HK$319,826/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$1,412,108 · Scale 2, in force from 26 Feb 2026)