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$75,697
−HK$4,746/mo
▼ 0.25% · 3.875%
HK$78,051
−HK$2,392/mo
Today · 4.125%
HK$80,443
baseline
▲ 0.50% · 4.625%
HK$85,338
+HK$4,895/mo
Deposit HK$16.60M · loan HK$16.60M · min. income ≈ HK$160,886/mo (50% DSR)
Upfront cash ≈ HK$18.01M (deposit + AVD stamp duty HK$1,410,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,212
−HK$4,549/mo
▼ 0.25% · 3.875%
HK$86,470
−HK$2,291/mo
Today · 4.125%
HK$88,761
baseline
▲ 0.50% · 4.625%
HK$93,440
+HK$4,679/mo
Deposit HK$16.60M · loan HK$16.60M · min. income ≈ HK$177,522/mo (50% DSR)
Upfront cash ≈ HK$18.01M (deposit + AVD stamp duty HK$1,410,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,836
−HK$5,696/mo
▼ 0.25% · 3.875%
HK$93,661
−HK$2,871/mo
Today · 4.125%
HK$96,532
baseline
▲ 0.50% · 4.625%
HK$102,406
+HK$5,874/mo
Deposit HK$13.28M · loan HK$19.92M · min. income ≈ HK$193,064/mo (50% DSR)
Upfront cash ≈ HK$14.69M (deposit + AVD stamp duty HK$1,410,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,054
−HK$5,460/mo
▼ 0.25% · 3.875%
HK$103,764
−HK$2,750/mo
Today · 4.125%
HK$106,514
baseline
▲ 0.50% · 4.625%
HK$112,128
+HK$5,614/mo
Deposit HK$13.28M · loan HK$19.92M · min. income ≈ HK$213,028/mo (50% DSR)
Upfront cash ≈ HK$14.69M (deposit + AVD stamp duty HK$1,410,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,975
−HK$6,646/mo
▼ 0.25% · 3.875%
HK$109,272
−HK$3,349/mo
Today · 4.125%
HK$112,621
baseline
▲ 0.50% · 4.625%
HK$119,474
+HK$6,853/mo
Deposit HK$9.96M · loan HK$23.24M · min. income ≈ HK$225,242/mo (50% DSR)
Upfront cash ≈ HK$11.37M (deposit + AVD stamp duty HK$1,410,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,896
−HK$6,370/mo
▼ 0.25% · 3.875%
HK$121,058
−HK$3,208/mo
Today · 4.125%
HK$124,266
baseline
▲ 0.50% · 4.625%
HK$130,816
+HK$6,550/mo
Deposit HK$9.96M · loan HK$23.24M · min. income ≈ HK$248,532/mo (50% DSR)
Upfront cash ≈ HK$11.37M (deposit + AVD stamp duty HK$1,410,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,254
−HK$8,544/mo
▼ 0.25% · 3.875%
HK$140,492
−HK$4,306/mo
Today · 4.125%
HK$144,798
baseline
▲ 0.50% · 4.625%
HK$153,609
+HK$8,811/mo
Deposit HK$3.32M · loan HK$29.88M · min. income ≈ HK$289,596/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$1,410,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,581
−HK$8,190/mo
▼ 0.25% · 3.875%
HK$155,646
−HK$4,125/mo
Today · 4.125%
HK$159,771
baseline
▲ 0.50% · 4.625%
HK$168,192
+HK$8,421/mo
Deposit HK$3.32M · loan HK$29.88M · min. income ≈ HK$319,542/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$1,410,854 · Scale 2, in force from 26 Feb 2026)