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$75,747
−HK$4,750/mo
▼ 0.25% · 3.875%
HK$78,103
−HK$2,394/mo
Today · 4.125%
HK$80,497
baseline
▲ 0.50% · 4.625%
HK$85,395
+HK$4,898/mo
Deposit HK$16.61M · loan HK$16.61M · min. income ≈ HK$160,994/mo (50% DSR)
Upfront cash ≈ HK$18.02M (deposit + AVD stamp duty HK$1,411,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,267
−HK$4,553/mo
▼ 0.25% · 3.875%
HK$86,527
−HK$2,293/mo
Today · 4.125%
HK$88,820
baseline
▲ 0.50% · 4.625%
HK$93,502
+HK$4,682/mo
Deposit HK$16.61M · loan HK$16.61M · min. income ≈ HK$177,640/mo (50% DSR)
Upfront cash ≈ HK$18.02M (deposit + AVD stamp duty HK$1,411,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,896
−HK$5,700/mo
▼ 0.25% · 3.875%
HK$93,723
−HK$2,873/mo
Today · 4.125%
HK$96,596
baseline
▲ 0.50% · 4.625%
HK$102,474
+HK$5,878/mo
Deposit HK$13.29M · loan HK$19.93M · min. income ≈ HK$193,192/mo (50% DSR)
Upfront cash ≈ HK$14.70M (deposit + AVD stamp duty HK$1,411,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,121
−HK$5,463/mo
▼ 0.25% · 3.875%
HK$103,833
−HK$2,751/mo
Today · 4.125%
HK$106,584
baseline
▲ 0.50% · 4.625%
HK$112,202
+HK$5,618/mo
Deposit HK$13.29M · loan HK$19.93M · min. income ≈ HK$213,168/mo (50% DSR)
Upfront cash ≈ HK$14.70M (deposit + AVD stamp duty HK$1,411,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,045
−HK$6,650/mo
▼ 0.25% · 3.875%
HK$109,344
−HK$3,351/mo
Today · 4.125%
HK$112,695
baseline
▲ 0.50% · 4.625%
HK$119,553
+HK$6,858/mo
Deposit HK$9.97M · loan HK$23.25M · min. income ≈ HK$225,390/mo (50% DSR)
Upfront cash ≈ HK$11.38M (deposit + AVD stamp duty HK$1,411,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,974
−HK$6,374/mo
▼ 0.25% · 3.875%
HK$121,138
−HK$3,210/mo
Today · 4.125%
HK$124,348
baseline
▲ 0.50% · 4.625%
HK$130,903
+HK$6,555/mo
Deposit HK$9.97M · loan HK$23.25M · min. income ≈ HK$248,696/mo (50% DSR)
Upfront cash ≈ HK$11.38M (deposit + AVD stamp duty HK$1,411,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,344
−HK$8,550/mo
▼ 0.25% · 3.875%
HK$140,585
−HK$4,309/mo
Today · 4.125%
HK$144,894
baseline
▲ 0.50% · 4.625%
HK$153,710
+HK$8,816/mo
Deposit HK$3.32M · loan HK$29.90M · min. income ≈ HK$289,788/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$1,411,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,681
−HK$8,195/mo
▼ 0.25% · 3.875%
HK$155,749
−HK$4,127/mo
Today · 4.125%
HK$159,876
baseline
▲ 0.50% · 4.625%
HK$168,303
+HK$8,427/mo
Deposit HK$3.32M · loan HK$29.90M · min. income ≈ HK$319,752/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$1,411,786 · Scale 2, in force from 26 Feb 2026)