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$75,774
−HK$4,751/mo
▼ 0.25% · 3.875%
HK$78,131
−HK$2,394/mo
Today · 4.125%
HK$80,525
baseline
▲ 0.50% · 4.625%
HK$85,425
+HK$4,900/mo
Deposit HK$16.62M · loan HK$16.62M · min. income ≈ HK$161,050/mo (50% DSR)
Upfront cash ≈ HK$18.03M (deposit + AVD stamp duty HK$1,412,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,297
−HK$4,555/mo
▼ 0.25% · 3.875%
HK$86,558
−HK$2,294/mo
Today · 4.125%
HK$88,852
baseline
▲ 0.50% · 4.625%
HK$93,535
+HK$4,683/mo
Deposit HK$16.62M · loan HK$16.62M · min. income ≈ HK$177,704/mo (50% DSR)
Upfront cash ≈ HK$18.03M (deposit + AVD stamp duty HK$1,412,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,928
−HK$5,702/mo
▼ 0.25% · 3.875%
HK$93,757
−HK$2,873/mo
Today · 4.125%
HK$96,630
baseline
▲ 0.50% · 4.625%
HK$102,510
+HK$5,880/mo
Deposit HK$13.29M · loan HK$19.94M · min. income ≈ HK$193,260/mo (50% DSR)
Upfront cash ≈ HK$14.70M (deposit + AVD stamp duty HK$1,412,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,157
−HK$5,465/mo
▼ 0.25% · 3.875%
HK$103,870
−HK$2,752/mo
Today · 4.125%
HK$106,622
baseline
▲ 0.50% · 4.625%
HK$112,242
+HK$5,620/mo
Deposit HK$13.29M · loan HK$19.94M · min. income ≈ HK$213,244/mo (50% DSR)
Upfront cash ≈ HK$14.70M (deposit + AVD stamp duty HK$1,412,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,083
−HK$6,652/mo
▼ 0.25% · 3.875%
HK$109,383
−HK$3,352/mo
Today · 4.125%
HK$112,735
baseline
▲ 0.50% · 4.625%
HK$119,595
+HK$6,860/mo
Deposit HK$9.97M · loan HK$23.26M · min. income ≈ HK$225,470/mo (50% DSR)
Upfront cash ≈ HK$11.38M (deposit + AVD stamp duty HK$1,412,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,016
−HK$6,376/mo
▼ 0.25% · 3.875%
HK$121,181
−HK$3,211/mo
Today · 4.125%
HK$124,392
baseline
▲ 0.50% · 4.625%
HK$130,949
+HK$6,557/mo
Deposit HK$9.97M · loan HK$23.26M · min. income ≈ HK$248,784/mo (50% DSR)
Upfront cash ≈ HK$11.38M (deposit + AVD stamp duty HK$1,412,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,393
−HK$8,553/mo
▼ 0.25% · 3.875%
HK$140,635
−HK$4,311/mo
Today · 4.125%
HK$144,946
baseline
▲ 0.50% · 4.625%
HK$153,765
+HK$8,819/mo
Deposit HK$3.32M · loan HK$29.91M · min. income ≈ HK$289,892/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$1,412,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,735
−HK$8,198/mo
▼ 0.25% · 3.875%
HK$155,805
−HK$4,128/mo
Today · 4.125%
HK$159,933
baseline
▲ 0.50% · 4.625%
HK$168,363
+HK$8,430/mo
Deposit HK$3.32M · loan HK$29.91M · min. income ≈ HK$319,866/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$1,412,289 · Scale 2, in force from 26 Feb 2026)