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$4,753/mo
▼ 0.25% · 3.875%
HK$78,149
−HK$2,395/mo
Today · 4.125%
HK$80,544
baseline
▲ 0.50% · 4.625%
HK$85,445
+HK$4,901/mo
Deposit HK$16.62M · loan HK$16.62M · min. income ≈ HK$161,088/mo (50% DSR)
Upfront cash ≈ HK$18.03M (deposit + AVD stamp duty HK$1,412,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,317
−HK$4,556/mo
▼ 0.25% · 3.875%
HK$86,579
−HK$2,294/mo
Today · 4.125%
HK$88,873
baseline
▲ 0.50% · 4.625%
HK$93,557
+HK$4,684/mo
Deposit HK$16.62M · loan HK$16.62M · min. income ≈ HK$177,746/mo (50% DSR)
Upfront cash ≈ HK$18.03M (deposit + AVD stamp duty HK$1,412,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,950
−HK$5,703/mo
▼ 0.25% · 3.875%
HK$93,779
−HK$2,874/mo
Today · 4.125%
HK$96,653
baseline
▲ 0.50% · 4.625%
HK$102,534
+HK$5,881/mo
Deposit HK$13.30M · loan HK$19.94M · min. income ≈ HK$193,306/mo (50% DSR)
Upfront cash ≈ HK$14.71M (deposit + AVD stamp duty HK$1,412,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,181
−HK$5,466/mo
▼ 0.25% · 3.875%
HK$103,894
−HK$2,753/mo
Today · 4.125%
HK$106,647
baseline
▲ 0.50% · 4.625%
HK$112,269
+HK$5,622/mo
Deposit HK$13.30M · loan HK$19.94M · min. income ≈ HK$213,294/mo (50% DSR)
Upfront cash ≈ HK$14.71M (deposit + AVD stamp duty HK$1,412,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,108
−HK$6,654/mo
▼ 0.25% · 3.875%
HK$109,409
−HK$3,353/mo
Today · 4.125%
HK$112,762
baseline
▲ 0.50% · 4.625%
HK$119,623
+HK$6,861/mo
Deposit HK$9.97M · loan HK$23.27M · min. income ≈ HK$225,524/mo (50% DSR)
Upfront cash ≈ HK$11.38M (deposit + AVD stamp duty HK$1,412,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,044
−HK$6,378/mo
▼ 0.25% · 3.875%
HK$121,210
−HK$3,212/mo
Today · 4.125%
HK$124,422
baseline
▲ 0.50% · 4.625%
HK$130,980
+HK$6,558/mo
Deposit HK$9.97M · loan HK$23.27M · min. income ≈ HK$248,844/mo (50% DSR)
Upfront cash ≈ HK$11.38M (deposit + AVD stamp duty HK$1,412,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,425
−HK$8,555/mo
▼ 0.25% · 3.875%
HK$140,668
−HK$4,312/mo
Today · 4.125%
HK$144,980
baseline
▲ 0.50% · 4.625%
HK$153,801
+HK$8,821/mo
Deposit HK$3.32M · loan HK$29.91M · min. income ≈ HK$289,960/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$1,412,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,771
−HK$8,200/mo
▼ 0.25% · 3.875%
HK$155,841
−HK$4,130/mo
Today · 4.125%
HK$159,971
baseline
▲ 0.50% · 4.625%
HK$168,403
+HK$8,432/mo
Deposit HK$3.32M · loan HK$29.91M · min. income ≈ HK$319,942/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$1,412,621 · Scale 2, in force from 26 Feb 2026)