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$75,819
−HK$4,754/mo
▼ 0.25% · 3.875%
HK$78,177
−HK$2,396/mo
Today · 4.125%
HK$80,573
baseline
▲ 0.50% · 4.625%
HK$85,476
+HK$4,903/mo
Deposit HK$16.63M · loan HK$16.63M · min. income ≈ HK$161,146/mo (50% DSR)
Upfront cash ≈ HK$18.04M (deposit + AVD stamp duty HK$1,413,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,348
−HK$4,557/mo
▼ 0.25% · 3.875%
HK$86,610
−HK$2,295/mo
Today · 4.125%
HK$88,905
baseline
▲ 0.50% · 4.625%
HK$93,591
+HK$4,686/mo
Deposit HK$16.63M · loan HK$16.63M · min. income ≈ HK$177,810/mo (50% DSR)
Upfront cash ≈ HK$18.04M (deposit + AVD stamp duty HK$1,413,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,983
−HK$5,705/mo
▼ 0.25% · 3.875%
HK$93,813
−HK$2,875/mo
Today · 4.125%
HK$96,688
baseline
▲ 0.50% · 4.625%
HK$102,571
+HK$5,883/mo
Deposit HK$13.30M · loan HK$19.95M · min. income ≈ HK$193,376/mo (50% DSR)
Upfront cash ≈ HK$14.71M (deposit + AVD stamp duty HK$1,413,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,217
−HK$5,469/mo
▼ 0.25% · 3.875%
HK$103,932
−HK$2,754/mo
Today · 4.125%
HK$106,686
baseline
▲ 0.50% · 4.625%
HK$112,309
+HK$5,623/mo
Deposit HK$13.30M · loan HK$19.95M · min. income ≈ HK$213,372/mo (50% DSR)
Upfront cash ≈ HK$14.71M (deposit + AVD stamp duty HK$1,413,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,146
−HK$6,657/mo
▼ 0.25% · 3.875%
HK$109,448
−HK$3,355/mo
Today · 4.125%
HK$112,803
baseline
▲ 0.50% · 4.625%
HK$119,667
+HK$6,864/mo
Deposit HK$9.98M · loan HK$23.28M · min. income ≈ HK$225,606/mo (50% DSR)
Upfront cash ≈ HK$11.39M (deposit + AVD stamp duty HK$1,413,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,087
−HK$6,380/mo
▼ 0.25% · 3.875%
HK$121,254
−HK$3,213/mo
Today · 4.125%
HK$124,467
baseline
▲ 0.50% · 4.625%
HK$131,028
+HK$6,561/mo
Deposit HK$9.98M · loan HK$23.28M · min. income ≈ HK$248,934/mo (50% DSR)
Upfront cash ≈ HK$11.39M (deposit + AVD stamp duty HK$1,413,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,474
−HK$8,558/mo
▼ 0.25% · 3.875%
HK$140,719
−HK$4,313/mo
Today · 4.125%
HK$145,032
baseline
▲ 0.50% · 4.625%
HK$153,857
+HK$8,825/mo
Deposit HK$3.33M · loan HK$29.93M · min. income ≈ HK$290,064/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$1,413,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,826
−HK$8,203/mo
▼ 0.25% · 3.875%
HK$155,898
−HK$4,131/mo
Today · 4.125%
HK$160,029
baseline
▲ 0.50% · 4.625%
HK$168,464
+HK$8,435/mo
Deposit HK$3.33M · loan HK$29.93M · min. income ≈ HK$320,058/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$1,413,132 · Scale 2, in force from 26 Feb 2026)