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$75,679
−HK$4,745/mo
▼ 0.25% · 3.875%
HK$78,033
−HK$2,391/mo
Today · 4.125%
HK$80,424
baseline
▲ 0.50% · 4.625%
HK$85,318
+HK$4,894/mo
Deposit HK$16.59M · loan HK$16.59M · min. income ≈ HK$160,848/mo (50% DSR)
Upfront cash ≈ HK$18.00M (deposit + AVD stamp duty HK$1,410,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,192
−HK$4,548/mo
▼ 0.25% · 3.875%
HK$86,450
−HK$2,290/mo
Today · 4.125%
HK$88,740
baseline
▲ 0.50% · 4.625%
HK$93,418
+HK$4,678/mo
Deposit HK$16.59M · loan HK$16.59M · min. income ≈ HK$177,480/mo (50% DSR)
Upfront cash ≈ HK$18.00M (deposit + AVD stamp duty HK$1,410,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,814
−HK$5,695/mo
▼ 0.25% · 3.875%
HK$93,639
−HK$2,870/mo
Today · 4.125%
HK$96,509
baseline
▲ 0.50% · 4.625%
HK$102,382
+HK$5,873/mo
Deposit HK$13.28M · loan HK$19.91M · min. income ≈ HK$193,018/mo (50% DSR)
Upfront cash ≈ HK$14.69M (deposit + AVD stamp duty HK$1,410,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,030
−HK$5,458/mo
▼ 0.25% · 3.875%
HK$103,740
−HK$2,748/mo
Today · 4.125%
HK$106,488
baseline
▲ 0.50% · 4.625%
HK$112,102
+HK$5,614/mo
Deposit HK$13.28M · loan HK$19.91M · min. income ≈ HK$212,976/mo (50% DSR)
Upfront cash ≈ HK$14.69M (deposit + AVD stamp duty HK$1,410,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,950
−HK$6,644/mo
▼ 0.25% · 3.875%
HK$109,246
−HK$3,348/mo
Today · 4.125%
HK$112,594
baseline
▲ 0.50% · 4.625%
HK$119,445
+HK$6,851/mo
Deposit HK$9.96M · loan HK$23.23M · min. income ≈ HK$225,188/mo (50% DSR)
Upfront cash ≈ HK$11.37M (deposit + AVD stamp duty HK$1,410,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,868
−HK$6,368/mo
▼ 0.25% · 3.875%
HK$121,030
−HK$3,206/mo
Today · 4.125%
HK$124,236
baseline
▲ 0.50% · 4.625%
HK$130,785
+HK$6,549/mo
Deposit HK$9.96M · loan HK$23.23M · min. income ≈ HK$248,472/mo (50% DSR)
Upfront cash ≈ HK$11.37M (deposit + AVD stamp duty HK$1,410,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,222
−HK$8,542/mo
▼ 0.25% · 3.875%
HK$140,459
−HK$4,305/mo
Today · 4.125%
HK$144,764
baseline
▲ 0.50% · 4.625%
HK$153,572
+HK$8,808/mo
Deposit HK$3.32M · loan HK$29.87M · min. income ≈ HK$289,528/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$1,410,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,545
−HK$8,188/mo
▼ 0.25% · 3.875%
HK$155,609
−HK$4,124/mo
Today · 4.125%
HK$159,733
baseline
▲ 0.50% · 4.625%
HK$168,152
+HK$8,419/mo
Deposit HK$3.32M · loan HK$29.87M · min. income ≈ HK$319,466/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$1,410,518 · Scale 2, in force from 26 Feb 2026)