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$75,724
−HK$4,749/mo
▼ 0.25% · 3.875%
HK$78,080
−HK$2,393/mo
Today · 4.125%
HK$80,473
baseline
▲ 0.50% · 4.625%
HK$85,369
+HK$4,896/mo
Deposit HK$16.60M · loan HK$16.60M · min. income ≈ HK$160,946/mo (50% DSR)
Upfront cash ≈ HK$18.02M (deposit + AVD stamp duty HK$1,411,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,243
−HK$4,551/mo
▼ 0.25% · 3.875%
HK$86,502
−HK$2,292/mo
Today · 4.125%
HK$88,794
baseline
▲ 0.50% · 4.625%
HK$93,474
+HK$4,680/mo
Deposit HK$16.60M · loan HK$16.60M · min. income ≈ HK$177,588/mo (50% DSR)
Upfront cash ≈ HK$18.02M (deposit + AVD stamp duty HK$1,411,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,869
−HK$5,698/mo
▼ 0.25% · 3.875%
HK$93,696
−HK$2,871/mo
Today · 4.125%
HK$96,567
baseline
▲ 0.50% · 4.625%
HK$102,443
+HK$5,876/mo
Deposit HK$13.28M · loan HK$19.93M · min. income ≈ HK$193,134/mo (50% DSR)
Upfront cash ≈ HK$14.69M (deposit + AVD stamp duty HK$1,411,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,091
−HK$5,462/mo
▼ 0.25% · 3.875%
HK$103,802
−HK$2,751/mo
Today · 4.125%
HK$106,553
baseline
▲ 0.50% · 4.625%
HK$112,169
+HK$5,616/mo
Deposit HK$13.28M · loan HK$19.93M · min. income ≈ HK$213,106/mo (50% DSR)
Upfront cash ≈ HK$14.69M (deposit + AVD stamp duty HK$1,411,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,014
−HK$6,648/mo
▼ 0.25% · 3.875%
HK$109,312
−HK$3,350/mo
Today · 4.125%
HK$112,662
baseline
▲ 0.50% · 4.625%
HK$119,517
+HK$6,855/mo
Deposit HK$9.96M · loan HK$23.25M · min. income ≈ HK$225,324/mo (50% DSR)
Upfront cash ≈ HK$11.37M (deposit + AVD stamp duty HK$1,411,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,940
−HK$6,371/mo
▼ 0.25% · 3.875%
HK$121,103
−HK$3,208/mo
Today · 4.125%
HK$124,311
baseline
▲ 0.50% · 4.625%
HK$130,864
+HK$6,553/mo
Deposit HK$9.96M · loan HK$23.25M · min. income ≈ HK$248,622/mo (50% DSR)
Upfront cash ≈ HK$11.37M (deposit + AVD stamp duty HK$1,411,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,304
−HK$8,547/mo
▼ 0.25% · 3.875%
HK$140,544
−HK$4,307/mo
Today · 4.125%
HK$144,851
baseline
▲ 0.50% · 4.625%
HK$153,665
+HK$8,814/mo
Deposit HK$3.32M · loan HK$29.89M · min. income ≈ HK$289,702/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$1,411,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,637
−HK$8,192/mo
▼ 0.25% · 3.875%
HK$155,703
−HK$4,126/mo
Today · 4.125%
HK$159,829
baseline
▲ 0.50% · 4.625%
HK$168,254
+HK$8,425/mo
Deposit HK$3.32M · loan HK$29.89M · min. income ≈ HK$319,658/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$1,411,369 · Scale 2, in force from 26 Feb 2026)