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$75,861
−HK$4,757/mo
▼ 0.25% · 3.875%
HK$78,220
−HK$2,398/mo
Today · 4.125%
HK$80,618
baseline
▲ 0.50% · 4.625%
HK$85,523
+HK$4,905/mo
Deposit HK$16.63M · loan HK$16.63M · min. income ≈ HK$161,236/mo (50% DSR)
Upfront cash ≈ HK$18.05M (deposit + AVD stamp duty HK$1,413,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,394
−HK$4,560/mo
▼ 0.25% · 3.875%
HK$86,658
−HK$2,296/mo
Today · 4.125%
HK$88,954
baseline
▲ 0.50% · 4.625%
HK$93,643
+HK$4,689/mo
Deposit HK$16.63M · loan HK$16.63M · min. income ≈ HK$177,908/mo (50% DSR)
Upfront cash ≈ HK$18.05M (deposit + AVD stamp duty HK$1,413,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,033
−HK$5,708/mo
▼ 0.25% · 3.875%
HK$93,865
−HK$2,876/mo
Today · 4.125%
HK$96,741
baseline
▲ 0.50% · 4.625%
HK$102,628
+HK$5,887/mo
Deposit HK$13.31M · loan HK$19.96M · min. income ≈ HK$193,482/mo (50% DSR)
Upfront cash ≈ HK$14.72M (deposit + AVD stamp duty HK$1,413,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,273
−HK$5,472/mo
▼ 0.25% · 3.875%
HK$103,989
−HK$2,756/mo
Today · 4.125%
HK$106,745
baseline
▲ 0.50% · 4.625%
HK$112,371
+HK$5,626/mo
Deposit HK$13.31M · loan HK$19.96M · min. income ≈ HK$213,490/mo (50% DSR)
Upfront cash ≈ HK$14.72M (deposit + AVD stamp duty HK$1,413,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,205
−HK$6,660/mo
▼ 0.25% · 3.875%
HK$109,509
−HK$3,356/mo
Today · 4.125%
HK$112,865
baseline
▲ 0.50% · 4.625%
HK$119,733
+HK$6,868/mo
Deposit HK$9.98M · loan HK$23.29M · min. income ≈ HK$225,730/mo (50% DSR)
Upfront cash ≈ HK$11.39M (deposit + AVD stamp duty HK$1,413,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,152
−HK$6,383/mo
▼ 0.25% · 3.875%
HK$121,321
−HK$3,214/mo
Today · 4.125%
HK$124,535
baseline
▲ 0.50% · 4.625%
HK$131,100
+HK$6,565/mo
Deposit HK$9.98M · loan HK$23.29M · min. income ≈ HK$249,070/mo (50% DSR)
Upfront cash ≈ HK$11.39M (deposit + AVD stamp duty HK$1,413,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,549
−HK$8,563/mo
▼ 0.25% · 3.875%
HK$140,797
−HK$4,315/mo
Today · 4.125%
HK$145,112
baseline
▲ 0.50% · 4.625%
HK$153,942
+HK$8,830/mo
Deposit HK$3.33M · loan HK$29.94M · min. income ≈ HK$290,224/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$1,413,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,910
−HK$8,207/mo
▼ 0.25% · 3.875%
HK$155,984
−HK$4,133/mo
Today · 4.125%
HK$160,117
baseline
▲ 0.50% · 4.625%
HK$168,557
+HK$8,440/mo
Deposit HK$3.33M · loan HK$29.94M · min. income ≈ HK$320,234/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$1,413,912 · Scale 2, in force from 26 Feb 2026)