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$75,810
−HK$4,754/mo
▼ 0.25% · 3.875%
HK$78,169
−HK$2,395/mo
Today · 4.125%
HK$80,564
baseline
▲ 0.50% · 4.625%
HK$85,467
+HK$4,903/mo
Deposit HK$16.62M · loan HK$16.62M · min. income ≈ HK$161,128/mo (50% DSR)
Upfront cash ≈ HK$18.04M (deposit + AVD stamp duty HK$1,412,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,338
−HK$4,557/mo
▼ 0.25% · 3.875%
HK$86,600
−HK$2,295/mo
Today · 4.125%
HK$88,895
baseline
▲ 0.50% · 4.625%
HK$93,581
+HK$4,686/mo
Deposit HK$16.62M · loan HK$16.62M · min. income ≈ HK$177,790/mo (50% DSR)
Upfront cash ≈ HK$18.04M (deposit + AVD stamp duty HK$1,412,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,973
−HK$5,704/mo
▼ 0.25% · 3.875%
HK$93,802
−HK$2,875/mo
Today · 4.125%
HK$96,677
baseline
▲ 0.50% · 4.625%
HK$102,560
+HK$5,883/mo
Deposit HK$13.30M · loan HK$19.95M · min. income ≈ HK$193,354/mo (50% DSR)
Upfront cash ≈ HK$14.71M (deposit + AVD stamp duty HK$1,412,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,206
−HK$5,468/mo
▼ 0.25% · 3.875%
HK$103,920
−HK$2,754/mo
Today · 4.125%
HK$106,674
baseline
▲ 0.50% · 4.625%
HK$112,297
+HK$5,623/mo
Deposit HK$13.30M · loan HK$19.95M · min. income ≈ HK$213,348/mo (50% DSR)
Upfront cash ≈ HK$14.71M (deposit + AVD stamp duty HK$1,412,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,135
−HK$6,655/mo
▼ 0.25% · 3.875%
HK$109,436
−HK$3,354/mo
Today · 4.125%
HK$112,790
baseline
▲ 0.50% · 4.625%
HK$119,653
+HK$6,863/mo
Deposit HK$9.97M · loan HK$23.27M · min. income ≈ HK$225,580/mo (50% DSR)
Upfront cash ≈ HK$11.39M (deposit + AVD stamp duty HK$1,412,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,074
−HK$6,379/mo
▼ 0.25% · 3.875%
HK$121,240
−HK$3,213/mo
Today · 4.125%
HK$124,453
baseline
▲ 0.50% · 4.625%
HK$131,013
+HK$6,560/mo
Deposit HK$9.97M · loan HK$23.27M · min. income ≈ HK$248,906/mo (50% DSR)
Upfront cash ≈ HK$11.39M (deposit + AVD stamp duty HK$1,412,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,459
−HK$8,557/mo
▼ 0.25% · 3.875%
HK$140,703
−HK$4,313/mo
Today · 4.125%
HK$145,016
baseline
▲ 0.50% · 4.625%
HK$153,840
+HK$8,824/mo
Deposit HK$3.32M · loan HK$29.92M · min. income ≈ HK$290,032/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$1,412,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,809
−HK$8,202/mo
▼ 0.25% · 3.875%
HK$155,881
−HK$4,130/mo
Today · 4.125%
HK$160,011
baseline
▲ 0.50% · 4.625%
HK$168,445
+HK$8,434/mo
Deposit HK$3.32M · loan HK$29.92M · min. income ≈ HK$320,022/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$1,412,975 · Scale 2, in force from 26 Feb 2026)