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$75,829
−HK$4,755/mo
▼ 0.25% · 3.875%
HK$78,188
−HK$2,396/mo
Today · 4.125%
HK$80,584
baseline
▲ 0.50% · 4.625%
HK$85,487
+HK$4,903/mo
Deposit HK$16.63M · loan HK$16.63M · min. income ≈ HK$161,168/mo (50% DSR)
Upfront cash ≈ HK$18.04M (deposit + AVD stamp duty HK$1,413,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,359
−HK$4,558/mo
▼ 0.25% · 3.875%
HK$86,621
−HK$2,296/mo
Today · 4.125%
HK$88,917
baseline
▲ 0.50% · 4.625%
HK$93,604
+HK$4,687/mo
Deposit HK$16.63M · loan HK$16.63M · min. income ≈ HK$177,834/mo (50% DSR)
Upfront cash ≈ HK$18.04M (deposit + AVD stamp duty HK$1,413,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,995
−HK$5,706/mo
▼ 0.25% · 3.875%
HK$93,825
−HK$2,876/mo
Today · 4.125%
HK$96,701
baseline
▲ 0.50% · 4.625%
HK$102,585
+HK$5,884/mo
Deposit HK$13.30M · loan HK$19.95M · min. income ≈ HK$193,402/mo (50% DSR)
Upfront cash ≈ HK$14.72M (deposit + AVD stamp duty HK$1,413,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,231
−HK$5,469/mo
▼ 0.25% · 3.875%
HK$103,946
−HK$2,754/mo
Today · 4.125%
HK$106,700
baseline
▲ 0.50% · 4.625%
HK$112,324
+HK$5,624/mo
Deposit HK$13.30M · loan HK$19.95M · min. income ≈ HK$213,400/mo (50% DSR)
Upfront cash ≈ HK$14.72M (deposit + AVD stamp duty HK$1,413,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,161
−HK$6,657/mo
▼ 0.25% · 3.875%
HK$109,463
−HK$3,355/mo
Today · 4.125%
HK$112,818
baseline
▲ 0.50% · 4.625%
HK$119,682
+HK$6,864/mo
Deposit HK$9.98M · loan HK$23.28M · min. income ≈ HK$225,636/mo (50% DSR)
Upfront cash ≈ HK$11.39M (deposit + AVD stamp duty HK$1,413,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,103
−HK$6,380/mo
▼ 0.25% · 3.875%
HK$121,270
−HK$3,213/mo
Today · 4.125%
HK$124,483
baseline
▲ 0.50% · 4.625%
HK$131,045
+HK$6,562/mo
Deposit HK$9.98M · loan HK$23.28M · min. income ≈ HK$248,966/mo (50% DSR)
Upfront cash ≈ HK$11.39M (deposit + AVD stamp duty HK$1,413,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,492
−HK$8,559/mo
▼ 0.25% · 3.875%
HK$140,738
−HK$4,313/mo
Today · 4.125%
HK$145,051
baseline
▲ 0.50% · 4.625%
HK$153,877
+HK$8,826/mo
Deposit HK$3.33M · loan HK$29.93M · min. income ≈ HK$290,102/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$1,413,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,846
−HK$8,204/mo
▼ 0.25% · 3.875%
HK$155,919
−HK$4,131/mo
Today · 4.125%
HK$160,050
baseline
▲ 0.50% · 4.625%
HK$168,486
+HK$8,436/mo
Deposit HK$3.33M · loan HK$29.93M · min. income ≈ HK$320,100/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$1,413,320 · Scale 2, in force from 26 Feb 2026)