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$75,816
−HK$4,754/mo
▼ 0.25% · 3.875%
HK$78,174
−HK$2,396/mo
Today · 4.125%
HK$80,570
baseline
▲ 0.50% · 4.625%
HK$85,473
+HK$4,903/mo
Deposit HK$16.62M · loan HK$16.62M · min. income ≈ HK$161,140/mo (50% DSR)
Upfront cash ≈ HK$18.04M (deposit + AVD stamp duty HK$1,413,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,344
−HK$4,557/mo
▼ 0.25% · 3.875%
HK$86,606
−HK$2,295/mo
Today · 4.125%
HK$88,901
baseline
▲ 0.50% · 4.625%
HK$93,587
+HK$4,686/mo
Deposit HK$16.62M · loan HK$16.62M · min. income ≈ HK$177,802/mo (50% DSR)
Upfront cash ≈ HK$18.04M (deposit + AVD stamp duty HK$1,413,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,979
−HK$5,705/mo
▼ 0.25% · 3.875%
HK$93,809
−HK$2,875/mo
Today · 4.125%
HK$96,684
baseline
▲ 0.50% · 4.625%
HK$102,567
+HK$5,883/mo
Deposit HK$13.30M · loan HK$19.95M · min. income ≈ HK$193,368/mo (50% DSR)
Upfront cash ≈ HK$14.71M (deposit + AVD stamp duty HK$1,413,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,213
−HK$5,468/mo
▼ 0.25% · 3.875%
HK$103,928
−HK$2,753/mo
Today · 4.125%
HK$106,681
baseline
▲ 0.50% · 4.625%
HK$112,305
+HK$5,624/mo
Deposit HK$13.30M · loan HK$19.95M · min. income ≈ HK$213,362/mo (50% DSR)
Upfront cash ≈ HK$14.71M (deposit + AVD stamp duty HK$1,413,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,142
−HK$6,656/mo
▼ 0.25% · 3.875%
HK$109,444
−HK$3,354/mo
Today · 4.125%
HK$112,798
baseline
▲ 0.50% · 4.625%
HK$119,662
+HK$6,864/mo
Deposit HK$9.97M · loan HK$23.27M · min. income ≈ HK$225,596/mo (50% DSR)
Upfront cash ≈ HK$11.39M (deposit + AVD stamp duty HK$1,413,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,082
−HK$6,380/mo
▼ 0.25% · 3.875%
HK$121,249
−HK$3,213/mo
Today · 4.125%
HK$124,462
baseline
▲ 0.50% · 4.625%
HK$131,022
+HK$6,560/mo
Deposit HK$9.97M · loan HK$23.27M · min. income ≈ HK$248,924/mo (50% DSR)
Upfront cash ≈ HK$11.39M (deposit + AVD stamp duty HK$1,413,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,469
−HK$8,557/mo
▼ 0.25% · 3.875%
HK$140,713
−HK$4,313/mo
Today · 4.125%
HK$145,026
baseline
▲ 0.50% · 4.625%
HK$153,851
+HK$8,825/mo
Deposit HK$3.32M · loan HK$29.92M · min. income ≈ HK$290,052/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$1,413,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,820
−HK$8,202/mo
▼ 0.25% · 3.875%
HK$155,892
−HK$4,130/mo
Today · 4.125%
HK$160,022
baseline
▲ 0.50% · 4.625%
HK$168,457
+HK$8,435/mo
Deposit HK$3.32M · loan HK$29.92M · min. income ≈ HK$320,044/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$1,413,075 · Scale 2, in force from 26 Feb 2026)