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$75,782
−HK$4,752/mo
▼ 0.25% · 3.875%
HK$78,139
−HK$2,395/mo
Today · 4.125%
HK$80,534
baseline
▲ 0.50% · 4.625%
HK$85,434
+HK$4,900/mo
Deposit HK$16.62M · loan HK$16.62M · min. income ≈ HK$161,068/mo (50% DSR)
Upfront cash ≈ HK$18.03M (deposit + AVD stamp duty HK$1,412,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,306
−HK$4,555/mo
▼ 0.25% · 3.875%
HK$86,567
−HK$2,294/mo
Today · 4.125%
HK$88,861
baseline
▲ 0.50% · 4.625%
HK$93,545
+HK$4,684/mo
Deposit HK$16.62M · loan HK$16.62M · min. income ≈ HK$177,722/mo (50% DSR)
Upfront cash ≈ HK$18.03M (deposit + AVD stamp duty HK$1,412,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,938
−HK$5,702/mo
▼ 0.25% · 3.875%
HK$93,767
−HK$2,873/mo
Today · 4.125%
HK$96,640
baseline
▲ 0.50% · 4.625%
HK$102,521
+HK$5,881/mo
Deposit HK$13.29M · loan HK$19.94M · min. income ≈ HK$193,280/mo (50% DSR)
Upfront cash ≈ HK$14.71M (deposit + AVD stamp duty HK$1,412,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,167
−HK$5,466/mo
▼ 0.25% · 3.875%
HK$103,881
−HK$2,752/mo
Today · 4.125%
HK$106,633
baseline
▲ 0.50% · 4.625%
HK$112,254
+HK$5,621/mo
Deposit HK$13.29M · loan HK$19.94M · min. income ≈ HK$213,266/mo (50% DSR)
Upfront cash ≈ HK$14.71M (deposit + AVD stamp duty HK$1,412,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,094
−HK$6,653/mo
▼ 0.25% · 3.875%
HK$109,394
−HK$3,353/mo
Today · 4.125%
HK$112,747
baseline
▲ 0.50% · 4.625%
HK$119,608
+HK$6,861/mo
Deposit HK$9.97M · loan HK$23.26M · min. income ≈ HK$225,494/mo (50% DSR)
Upfront cash ≈ HK$11.38M (deposit + AVD stamp duty HK$1,412,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,029
−HK$6,376/mo
▼ 0.25% · 3.875%
HK$121,194
−HK$3,211/mo
Today · 4.125%
HK$124,405
baseline
▲ 0.50% · 4.625%
HK$130,963
+HK$6,558/mo
Deposit HK$9.97M · loan HK$23.26M · min. income ≈ HK$248,810/mo (50% DSR)
Upfront cash ≈ HK$11.38M (deposit + AVD stamp duty HK$1,412,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,407
−HK$8,554/mo
▼ 0.25% · 3.875%
HK$140,650
−HK$4,311/mo
Today · 4.125%
HK$144,961
baseline
▲ 0.50% · 4.625%
HK$153,781
+HK$8,820/mo
Deposit HK$3.32M · loan HK$29.91M · min. income ≈ HK$289,922/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$1,412,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,751
−HK$8,199/mo
▼ 0.25% · 3.875%
HK$155,821
−HK$4,129/mo
Today · 4.125%
HK$159,950
baseline
▲ 0.50% · 4.625%
HK$168,381
+HK$8,431/mo
Deposit HK$3.32M · loan HK$29.91M · min. income ≈ HK$319,900/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$1,412,436 · Scale 2, in force from 26 Feb 2026)