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$75,753
−HK$4,750/mo
▼ 0.25% · 3.875%
HK$78,109
−HK$2,394/mo
Today · 4.125%
HK$80,503
baseline
▲ 0.50% · 4.625%
HK$85,402
+HK$4,899/mo
Deposit HK$16.61M · loan HK$16.61M · min. income ≈ HK$161,006/mo (50% DSR)
Upfront cash ≈ HK$18.02M (deposit + AVD stamp duty HK$1,411,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,274
−HK$4,554/mo
▼ 0.25% · 3.875%
HK$86,535
−HK$2,293/mo
Today · 4.125%
HK$88,828
baseline
▲ 0.50% · 4.625%
HK$93,510
+HK$4,682/mo
Deposit HK$16.61M · loan HK$16.61M · min. income ≈ HK$177,656/mo (50% DSR)
Upfront cash ≈ HK$18.02M (deposit + AVD stamp duty HK$1,411,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,904
−HK$5,700/mo
▼ 0.25% · 3.875%
HK$93,731
−HK$2,873/mo
Today · 4.125%
HK$96,604
baseline
▲ 0.50% · 4.625%
HK$102,482
+HK$5,878/mo
Deposit HK$13.29M · loan HK$19.93M · min. income ≈ HK$193,208/mo (50% DSR)
Upfront cash ≈ HK$14.70M (deposit + AVD stamp duty HK$1,411,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,129
−HK$5,464/mo
▼ 0.25% · 3.875%
HK$103,842
−HK$2,751/mo
Today · 4.125%
HK$106,593
baseline
▲ 0.50% · 4.625%
HK$112,212
+HK$5,619/mo
Deposit HK$13.29M · loan HK$19.93M · min. income ≈ HK$213,186/mo (50% DSR)
Upfront cash ≈ HK$14.70M (deposit + AVD stamp duty HK$1,411,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,054
−HK$6,651/mo
▼ 0.25% · 3.875%
HK$109,353
−HK$3,352/mo
Today · 4.125%
HK$112,705
baseline
▲ 0.50% · 4.625%
HK$119,563
+HK$6,858/mo
Deposit HK$9.97M · loan HK$23.25M · min. income ≈ HK$225,410/mo (50% DSR)
Upfront cash ≈ HK$11.38M (deposit + AVD stamp duty HK$1,411,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,984
−HK$6,375/mo
▼ 0.25% · 3.875%
HK$121,149
−HK$3,210/mo
Today · 4.125%
HK$124,359
baseline
▲ 0.50% · 4.625%
HK$130,914
+HK$6,555/mo
Deposit HK$9.97M · loan HK$23.25M · min. income ≈ HK$248,718/mo (50% DSR)
Upfront cash ≈ HK$11.38M (deposit + AVD stamp duty HK$1,411,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,355
−HK$8,551/mo
▼ 0.25% · 3.875%
HK$140,597
−HK$4,309/mo
Today · 4.125%
HK$144,906
baseline
▲ 0.50% · 4.625%
HK$153,723
+HK$8,817/mo
Deposit HK$3.32M · loan HK$29.90M · min. income ≈ HK$289,812/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$1,411,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,694
−HK$8,196/mo
▼ 0.25% · 3.875%
HK$155,762
−HK$4,128/mo
Today · 4.125%
HK$159,890
baseline
▲ 0.50% · 4.625%
HK$168,318
+HK$8,428/mo
Deposit HK$3.32M · loan HK$29.90M · min. income ≈ HK$319,780/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$1,411,905 · Scale 2, in force from 26 Feb 2026)