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$75,728
−HK$4,749/mo
▼ 0.25% · 3.875%
HK$78,084
−HK$2,393/mo
Today · 4.125%
HK$80,477
baseline
▲ 0.50% · 4.625%
HK$85,374
+HK$4,897/mo
Deposit HK$16.61M · loan HK$16.61M · min. income ≈ HK$160,954/mo (50% DSR)
Upfront cash ≈ HK$18.02M (deposit + AVD stamp duty HK$1,411,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,247
−HK$4,551/mo
▼ 0.25% · 3.875%
HK$86,506
−HK$2,292/mo
Today · 4.125%
HK$88,798
baseline
▲ 0.50% · 4.625%
HK$93,479
+HK$4,681/mo
Deposit HK$16.61M · loan HK$16.61M · min. income ≈ HK$177,596/mo (50% DSR)
Upfront cash ≈ HK$18.02M (deposit + AVD stamp duty HK$1,411,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,874
−HK$5,698/mo
▼ 0.25% · 3.875%
HK$93,700
−HK$2,872/mo
Today · 4.125%
HK$96,572
baseline
▲ 0.50% · 4.625%
HK$102,448
+HK$5,876/mo
Deposit HK$13.28M · loan HK$19.93M · min. income ≈ HK$193,144/mo (50% DSR)
Upfront cash ≈ HK$14.70M (deposit + AVD stamp duty HK$1,411,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,096
−HK$5,462/mo
▼ 0.25% · 3.875%
HK$103,807
−HK$2,751/mo
Today · 4.125%
HK$106,558
baseline
▲ 0.50% · 4.625%
HK$112,175
+HK$5,617/mo
Deposit HK$13.28M · loan HK$19.93M · min. income ≈ HK$213,116/mo (50% DSR)
Upfront cash ≈ HK$14.70M (deposit + AVD stamp duty HK$1,411,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,019
−HK$6,649/mo
▼ 0.25% · 3.875%
HK$109,317
−HK$3,351/mo
Today · 4.125%
HK$112,668
baseline
▲ 0.50% · 4.625%
HK$119,523
+HK$6,855/mo
Deposit HK$9.96M · loan HK$23.25M · min. income ≈ HK$225,336/mo (50% DSR)
Upfront cash ≈ HK$11.37M (deposit + AVD stamp duty HK$1,411,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,945
−HK$6,373/mo
▼ 0.25% · 3.875%
HK$121,109
−HK$3,209/mo
Today · 4.125%
HK$124,318
baseline
▲ 0.50% · 4.625%
HK$130,871
+HK$6,553/mo
Deposit HK$9.96M · loan HK$23.25M · min. income ≈ HK$248,636/mo (50% DSR)
Upfront cash ≈ HK$11.37M (deposit + AVD stamp duty HK$1,411,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,311
−HK$8,547/mo
▼ 0.25% · 3.875%
HK$140,551
−HK$4,307/mo
Today · 4.125%
HK$144,858
baseline
▲ 0.50% · 4.625%
HK$153,673
+HK$8,815/mo
Deposit HK$3.32M · loan HK$29.89M · min. income ≈ HK$289,716/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$1,411,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,644
−HK$8,193/mo
▼ 0.25% · 3.875%
HK$155,711
−HK$4,126/mo
Today · 4.125%
HK$159,837
baseline
▲ 0.50% · 4.625%
HK$168,262
+HK$8,425/mo
Deposit HK$3.32M · loan HK$29.89M · min. income ≈ HK$319,674/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$1,411,439 · Scale 2, in force from 26 Feb 2026)