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$75,814
−HK$4,754/mo
▼ 0.25% · 3.875%
HK$78,172
−HK$2,396/mo
Today · 4.125%
HK$80,568
baseline
▲ 0.50% · 4.625%
HK$85,470
+HK$4,902/mo
Deposit HK$16.62M · loan HK$16.62M · min. income ≈ HK$161,136/mo (50% DSR)
Upfront cash ≈ HK$18.04M (deposit + AVD stamp duty HK$1,413,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,342
−HK$4,557/mo
▼ 0.25% · 3.875%
HK$86,604
−HK$2,295/mo
Today · 4.125%
HK$88,899
baseline
▲ 0.50% · 4.625%
HK$93,585
+HK$4,686/mo
Deposit HK$16.62M · loan HK$16.62M · min. income ≈ HK$177,798/mo (50% DSR)
Upfront cash ≈ HK$18.04M (deposit + AVD stamp duty HK$1,413,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,977
−HK$5,705/mo
▼ 0.25% · 3.875%
HK$93,806
−HK$2,876/mo
Today · 4.125%
HK$96,682
baseline
▲ 0.50% · 4.625%
HK$102,564
+HK$5,882/mo
Deposit HK$13.30M · loan HK$19.95M · min. income ≈ HK$193,364/mo (50% DSR)
Upfront cash ≈ HK$14.71M (deposit + AVD stamp duty HK$1,413,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,211
−HK$5,468/mo
▼ 0.25% · 3.875%
HK$103,925
−HK$2,754/mo
Today · 4.125%
HK$106,679
baseline
▲ 0.50% · 4.625%
HK$112,302
+HK$5,623/mo
Deposit HK$13.30M · loan HK$19.95M · min. income ≈ HK$213,358/mo (50% DSR)
Upfront cash ≈ HK$14.71M (deposit + AVD stamp duty HK$1,413,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,139
−HK$6,656/mo
▼ 0.25% · 3.875%
HK$109,441
−HK$3,354/mo
Today · 4.125%
HK$112,795
baseline
▲ 0.50% · 4.625%
HK$119,659
+HK$6,864/mo
Deposit HK$9.97M · loan HK$23.27M · min. income ≈ HK$225,590/mo (50% DSR)
Upfront cash ≈ HK$11.39M (deposit + AVD stamp duty HK$1,413,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,079
−HK$6,379/mo
▼ 0.25% · 3.875%
HK$121,246
−HK$3,212/mo
Today · 4.125%
HK$124,458
baseline
▲ 0.50% · 4.625%
HK$131,019
+HK$6,561/mo
Deposit HK$9.97M · loan HK$23.27M · min. income ≈ HK$248,916/mo (50% DSR)
Upfront cash ≈ HK$11.39M (deposit + AVD stamp duty HK$1,413,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,465
−HK$8,557/mo
▼ 0.25% · 3.875%
HK$140,710
−HK$4,312/mo
Today · 4.125%
HK$145,022
baseline
▲ 0.50% · 4.625%
HK$153,847
+HK$8,825/mo
Deposit HK$3.32M · loan HK$29.92M · min. income ≈ HK$290,044/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$1,413,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,816
−HK$8,202/mo
▼ 0.25% · 3.875%
HK$155,887
−HK$4,131/mo
Today · 4.125%
HK$160,018
baseline
▲ 0.50% · 4.625%
HK$168,453
+HK$8,435/mo
Deposit HK$3.32M · loan HK$29.92M · min. income ≈ HK$320,036/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$1,413,038 · Scale 2, in force from 26 Feb 2026)