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$75,840
−HK$4,756/mo
▼ 0.25% · 3.875%
HK$78,199
−HK$2,397/mo
Today · 4.125%
HK$80,596
baseline
▲ 0.50% · 4.625%
HK$85,500
+HK$4,904/mo
Deposit HK$16.63M · loan HK$16.63M · min. income ≈ HK$161,192/mo (50% DSR)
Upfront cash ≈ HK$18.04M (deposit + AVD stamp duty HK$1,413,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,371
−HK$4,558/mo
▼ 0.25% · 3.875%
HK$86,634
−HK$2,295/mo
Today · 4.125%
HK$88,929
baseline
▲ 0.50% · 4.625%
HK$93,617
+HK$4,688/mo
Deposit HK$16.63M · loan HK$16.63M · min. income ≈ HK$177,858/mo (50% DSR)
Upfront cash ≈ HK$18.04M (deposit + AVD stamp duty HK$1,413,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,008
−HK$5,707/mo
▼ 0.25% · 3.875%
HK$93,839
−HK$2,876/mo
Today · 4.125%
HK$96,715
baseline
▲ 0.50% · 4.625%
HK$102,600
+HK$5,885/mo
Deposit HK$13.30M · loan HK$19.96M · min. income ≈ HK$193,430/mo (50% DSR)
Upfront cash ≈ HK$14.72M (deposit + AVD stamp duty HK$1,413,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,245
−HK$5,470/mo
▼ 0.25% · 3.875%
HK$103,961
−HK$2,754/mo
Today · 4.125%
HK$106,715
baseline
▲ 0.50% · 4.625%
HK$112,340
+HK$5,625/mo
Deposit HK$13.30M · loan HK$19.96M · min. income ≈ HK$213,430/mo (50% DSR)
Upfront cash ≈ HK$14.72M (deposit + AVD stamp duty HK$1,413,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,176
−HK$6,658/mo
▼ 0.25% · 3.875%
HK$109,478
−HK$3,356/mo
Today · 4.125%
HK$112,834
baseline
▲ 0.50% · 4.625%
HK$119,700
+HK$6,866/mo
Deposit HK$9.98M · loan HK$23.28M · min. income ≈ HK$225,668/mo (50% DSR)
Upfront cash ≈ HK$11.39M (deposit + AVD stamp duty HK$1,413,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,120
−HK$6,381/mo
▼ 0.25% · 3.875%
HK$121,287
−HK$3,214/mo
Today · 4.125%
HK$124,501
baseline
▲ 0.50% · 4.625%
HK$131,064
+HK$6,563/mo
Deposit HK$9.98M · loan HK$23.28M · min. income ≈ HK$249,002/mo (50% DSR)
Upfront cash ≈ HK$11.39M (deposit + AVD stamp duty HK$1,413,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,512
−HK$8,560/mo
▼ 0.25% · 3.875%
HK$140,758
−HK$4,314/mo
Today · 4.125%
HK$145,072
baseline
▲ 0.50% · 4.625%
HK$153,900
+HK$8,828/mo
Deposit HK$3.33M · loan HK$29.93M · min. income ≈ HK$290,144/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$1,413,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,868
−HK$8,205/mo
▼ 0.25% · 3.875%
HK$155,941
−HK$4,132/mo
Today · 4.125%
HK$160,073
baseline
▲ 0.50% · 4.625%
HK$168,511
+HK$8,438/mo
Deposit HK$3.33M · loan HK$29.93M · min. income ≈ HK$320,146/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$1,413,523 · Scale 2, in force from 26 Feb 2026)