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$75,776
−HK$4,752/mo
▼ 0.25% · 3.875%
HK$78,133
−HK$2,395/mo
Today · 4.125%
HK$80,528
baseline
▲ 0.50% · 4.625%
HK$85,428
+HK$4,900/mo
Deposit HK$16.62M · loan HK$16.62M · min. income ≈ HK$161,056/mo (50% DSR)
Upfront cash ≈ HK$18.03M (deposit + AVD stamp duty HK$1,412,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,300
−HK$4,554/mo
▼ 0.25% · 3.875%
HK$86,561
−HK$2,293/mo
Today · 4.125%
HK$88,854
baseline
▲ 0.50% · 4.625%
HK$93,538
+HK$4,684/mo
Deposit HK$16.62M · loan HK$16.62M · min. income ≈ HK$177,708/mo (50% DSR)
Upfront cash ≈ HK$18.03M (deposit + AVD stamp duty HK$1,412,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,931
−HK$5,702/mo
▼ 0.25% · 3.875%
HK$93,760
−HK$2,873/mo
Today · 4.125%
HK$96,633
baseline
▲ 0.50% · 4.625%
HK$102,513
+HK$5,880/mo
Deposit HK$13.29M · loan HK$19.94M · min. income ≈ HK$193,266/mo (50% DSR)
Upfront cash ≈ HK$14.70M (deposit + AVD stamp duty HK$1,412,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,160
−HK$5,465/mo
▼ 0.25% · 3.875%
HK$103,873
−HK$2,752/mo
Today · 4.125%
HK$106,625
baseline
▲ 0.50% · 4.625%
HK$112,246
+HK$5,621/mo
Deposit HK$13.29M · loan HK$19.94M · min. income ≈ HK$213,250/mo (50% DSR)
Upfront cash ≈ HK$14.70M (deposit + AVD stamp duty HK$1,412,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,086
−HK$6,653/mo
▼ 0.25% · 3.875%
HK$109,386
−HK$3,353/mo
Today · 4.125%
HK$112,739
baseline
▲ 0.50% · 4.625%
HK$119,599
+HK$6,860/mo
Deposit HK$9.97M · loan HK$23.26M · min. income ≈ HK$225,478/mo (50% DSR)
Upfront cash ≈ HK$11.38M (deposit + AVD stamp duty HK$1,412,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,020
−HK$6,376/mo
▼ 0.25% · 3.875%
HK$121,185
−HK$3,211/mo
Today · 4.125%
HK$124,396
baseline
▲ 0.50% · 4.625%
HK$130,953
+HK$6,557/mo
Deposit HK$9.97M · loan HK$23.26M · min. income ≈ HK$248,792/mo (50% DSR)
Upfront cash ≈ HK$11.38M (deposit + AVD stamp duty HK$1,412,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,397
−HK$8,553/mo
▼ 0.25% · 3.875%
HK$140,639
−HK$4,311/mo
Today · 4.125%
HK$144,950
baseline
▲ 0.50% · 4.625%
HK$153,770
+HK$8,820/mo
Deposit HK$3.32M · loan HK$29.91M · min. income ≈ HK$289,900/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$1,412,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,740
−HK$8,198/mo
▼ 0.25% · 3.875%
HK$155,810
−HK$4,128/mo
Today · 4.125%
HK$159,938
baseline
▲ 0.50% · 4.625%
HK$168,369
+HK$8,431/mo
Deposit HK$3.32M · loan HK$29.91M · min. income ≈ HK$319,876/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$1,412,332 · Scale 2, in force from 26 Feb 2026)