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$75,661
−HK$4,744/mo
▼ 0.25% · 3.875%
HK$78,014
−HK$2,391/mo
Today · 4.125%
HK$80,405
baseline
▲ 0.50% · 4.625%
HK$85,298
+HK$4,893/mo
Deposit HK$16.59M · loan HK$16.59M · min. income ≈ HK$160,810/mo (50% DSR)
Upfront cash ≈ HK$18.00M (deposit + AVD stamp duty HK$1,410,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,172
−HK$4,547/mo
▼ 0.25% · 3.875%
HK$86,429
−HK$2,290/mo
Today · 4.125%
HK$88,719
baseline
▲ 0.50% · 4.625%
HK$93,396
+HK$4,677/mo
Deposit HK$16.59M · loan HK$16.59M · min. income ≈ HK$177,438/mo (50% DSR)
Upfront cash ≈ HK$18.00M (deposit + AVD stamp duty HK$1,410,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,793
−HK$5,694/mo
▼ 0.25% · 3.875%
HK$93,617
−HK$2,870/mo
Today · 4.125%
HK$96,487
baseline
▲ 0.50% · 4.625%
HK$102,358
+HK$5,871/mo
Deposit HK$13.27M · loan HK$19.91M · min. income ≈ HK$192,974/mo (50% DSR)
Upfront cash ≈ HK$14.68M (deposit + AVD stamp duty HK$1,410,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,006
−HK$5,457/mo
▼ 0.25% · 3.875%
HK$103,715
−HK$2,748/mo
Today · 4.125%
HK$106,463
baseline
▲ 0.50% · 4.625%
HK$112,075
+HK$5,612/mo
Deposit HK$13.27M · loan HK$19.91M · min. income ≈ HK$212,926/mo (50% DSR)
Upfront cash ≈ HK$14.68M (deposit + AVD stamp duty HK$1,410,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,925
−HK$6,643/mo
▼ 0.25% · 3.875%
HK$109,220
−HK$3,348/mo
Today · 4.125%
HK$112,568
baseline
▲ 0.50% · 4.625%
HK$119,417
+HK$6,849/mo
Deposit HK$9.95M · loan HK$23.23M · min. income ≈ HK$225,136/mo (50% DSR)
Upfront cash ≈ HK$11.36M (deposit + AVD stamp duty HK$1,410,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,841
−HK$6,366/mo
▼ 0.25% · 3.875%
HK$121,001
−HK$3,206/mo
Today · 4.125%
HK$124,207
baseline
▲ 0.50% · 4.625%
HK$130,754
+HK$6,547/mo
Deposit HK$9.95M · loan HK$23.23M · min. income ≈ HK$248,414/mo (50% DSR)
Upfront cash ≈ HK$11.36M (deposit + AVD stamp duty HK$1,410,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,190
−HK$8,540/mo
▼ 0.25% · 3.875%
HK$140,426
−HK$4,304/mo
Today · 4.125%
HK$144,730
baseline
▲ 0.50% · 4.625%
HK$153,536
+HK$8,806/mo
Deposit HK$3.32M · loan HK$29.86M · min. income ≈ HK$289,460/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$1,410,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,509
−HK$8,186/mo
▼ 0.25% · 3.875%
HK$155,573
−HK$4,122/mo
Today · 4.125%
HK$159,695
baseline
▲ 0.50% · 4.625%
HK$168,113
+HK$8,418/mo
Deposit HK$3.32M · loan HK$29.86M · min. income ≈ HK$319,390/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$1,410,187 · Scale 2, in force from 26 Feb 2026)