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$75,859
−HK$4,757/mo
▼ 0.25% · 3.875%
HK$78,219
−HK$2,397/mo
Today · 4.125%
HK$80,616
baseline
▲ 0.50% · 4.625%
HK$85,522
+HK$4,906/mo
Deposit HK$16.63M · loan HK$16.63M · min. income ≈ HK$161,232/mo (50% DSR)
Upfront cash ≈ HK$18.05M (deposit + AVD stamp duty HK$1,413,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,393
−HK$4,559/mo
▼ 0.25% · 3.875%
HK$86,656
−HK$2,296/mo
Today · 4.125%
HK$88,952
baseline
▲ 0.50% · 4.625%
HK$93,641
+HK$4,689/mo
Deposit HK$16.63M · loan HK$16.63M · min. income ≈ HK$177,904/mo (50% DSR)
Upfront cash ≈ HK$18.05M (deposit + AVD stamp duty HK$1,413,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,031
−HK$5,708/mo
▼ 0.25% · 3.875%
HK$93,863
−HK$2,876/mo
Today · 4.125%
HK$96,739
baseline
▲ 0.50% · 4.625%
HK$102,626
+HK$5,887/mo
Deposit HK$13.31M · loan HK$19.96M · min. income ≈ HK$193,478/mo (50% DSR)
Upfront cash ≈ HK$14.72M (deposit + AVD stamp duty HK$1,413,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,271
−HK$5,471/mo
▼ 0.25% · 3.875%
HK$103,987
−HK$2,755/mo
Today · 4.125%
HK$106,742
baseline
▲ 0.50% · 4.625%
HK$112,369
+HK$5,627/mo
Deposit HK$13.31M · loan HK$19.96M · min. income ≈ HK$213,484/mo (50% DSR)
Upfront cash ≈ HK$14.72M (deposit + AVD stamp duty HK$1,413,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,203
−HK$6,660/mo
▼ 0.25% · 3.875%
HK$109,506
−HK$3,357/mo
Today · 4.125%
HK$112,863
baseline
▲ 0.50% · 4.625%
HK$119,730
+HK$6,867/mo
Deposit HK$9.98M · loan HK$23.29M · min. income ≈ HK$225,726/mo (50% DSR)
Upfront cash ≈ HK$11.39M (deposit + AVD stamp duty HK$1,413,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,150
−HK$6,383/mo
▼ 0.25% · 3.875%
HK$121,318
−HK$3,215/mo
Today · 4.125%
HK$124,533
baseline
▲ 0.50% · 4.625%
HK$131,097
+HK$6,564/mo
Deposit HK$9.98M · loan HK$23.29M · min. income ≈ HK$249,066/mo (50% DSR)
Upfront cash ≈ HK$11.39M (deposit + AVD stamp duty HK$1,413,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,547
−HK$8,562/mo
▼ 0.25% · 3.875%
HK$140,794
−HK$4,315/mo
Today · 4.125%
HK$145,109
baseline
▲ 0.50% · 4.625%
HK$153,939
+HK$8,830/mo
Deposit HK$3.33M · loan HK$29.94M · min. income ≈ HK$290,218/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$1,413,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,907
−HK$8,207/mo
▼ 0.25% · 3.875%
HK$155,981
−HK$4,133/mo
Today · 4.125%
HK$160,114
baseline
▲ 0.50% · 4.625%
HK$168,554
+HK$8,440/mo
Deposit HK$3.33M · loan HK$29.94M · min. income ≈ HK$320,228/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$1,413,883 · Scale 2, in force from 26 Feb 2026)