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$75,763
−HK$4,751/mo
▼ 0.25% · 3.875%
HK$78,119
−HK$2,395/mo
Today · 4.125%
HK$80,514
baseline
▲ 0.50% · 4.625%
HK$85,413
+HK$4,899/mo
Deposit HK$16.61M · loan HK$16.61M · min. income ≈ HK$161,028/mo (50% DSR)
Upfront cash ≈ HK$18.02M (deposit + AVD stamp duty HK$1,412,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,285
−HK$4,554/mo
▼ 0.25% · 3.875%
HK$86,546
−HK$2,293/mo
Today · 4.125%
HK$88,839
baseline
▲ 0.50% · 4.625%
HK$93,522
+HK$4,683/mo
Deposit HK$16.61M · loan HK$16.61M · min. income ≈ HK$177,678/mo (50% DSR)
Upfront cash ≈ HK$18.02M (deposit + AVD stamp duty HK$1,412,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,915
−HK$5,701/mo
▼ 0.25% · 3.875%
HK$93,743
−HK$2,873/mo
Today · 4.125%
HK$96,616
baseline
▲ 0.50% · 4.625%
HK$102,495
+HK$5,879/mo
Deposit HK$13.29M · loan HK$19.94M · min. income ≈ HK$193,232/mo (50% DSR)
Upfront cash ≈ HK$14.70M (deposit + AVD stamp duty HK$1,412,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,142
−HK$5,464/mo
▼ 0.25% · 3.875%
HK$103,855
−HK$2,751/mo
Today · 4.125%
HK$106,606
baseline
▲ 0.50% · 4.625%
HK$112,226
+HK$5,620/mo
Deposit HK$13.29M · loan HK$19.94M · min. income ≈ HK$213,212/mo (50% DSR)
Upfront cash ≈ HK$14.70M (deposit + AVD stamp duty HK$1,412,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,068
−HK$6,651/mo
▼ 0.25% · 3.875%
HK$109,367
−HK$3,352/mo
Today · 4.125%
HK$112,719
baseline
▲ 0.50% · 4.625%
HK$119,578
+HK$6,859/mo
Deposit HK$9.97M · loan HK$23.26M · min. income ≈ HK$225,438/mo (50% DSR)
Upfront cash ≈ HK$11.38M (deposit + AVD stamp duty HK$1,412,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,999
−HK$6,375/mo
▼ 0.25% · 3.875%
HK$121,164
−HK$3,210/mo
Today · 4.125%
HK$124,374
baseline
▲ 0.50% · 4.625%
HK$130,930
+HK$6,556/mo
Deposit HK$9.97M · loan HK$23.26M · min. income ≈ HK$248,748/mo (50% DSR)
Upfront cash ≈ HK$11.38M (deposit + AVD stamp duty HK$1,412,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,373
−HK$8,551/mo
▼ 0.25% · 3.875%
HK$140,615
−HK$4,309/mo
Today · 4.125%
HK$144,924
baseline
▲ 0.50% · 4.625%
HK$153,743
+HK$8,819/mo
Deposit HK$3.32M · loan HK$29.90M · min. income ≈ HK$289,848/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$1,412,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,713
−HK$8,197/mo
▼ 0.25% · 3.875%
HK$155,782
−HK$4,128/mo
Today · 4.125%
HK$159,910
baseline
▲ 0.50% · 4.625%
HK$168,339
+HK$8,429/mo
Deposit HK$3.32M · loan HK$29.90M · min. income ≈ HK$319,820/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$1,412,082 · Scale 2, in force from 26 Feb 2026)