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$75,785
−HK$4,753/mo
▼ 0.25% · 3.875%
HK$78,143
−HK$2,395/mo
Today · 4.125%
HK$80,538
baseline
▲ 0.50% · 4.625%
HK$85,438
+HK$4,900/mo
Deposit HK$16.62M · loan HK$16.62M · min. income ≈ HK$161,076/mo (50% DSR)
Upfront cash ≈ HK$18.03M (deposit + AVD stamp duty HK$1,412,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,310
−HK$4,555/mo
▼ 0.25% · 3.875%
HK$86,572
−HK$2,293/mo
Today · 4.125%
HK$88,865
baseline
▲ 0.50% · 4.625%
HK$93,550
+HK$4,685/mo
Deposit HK$16.62M · loan HK$16.62M · min. income ≈ HK$177,730/mo (50% DSR)
Upfront cash ≈ HK$18.03M (deposit + AVD stamp duty HK$1,412,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,942
−HK$5,703/mo
▼ 0.25% · 3.875%
HK$93,771
−HK$2,874/mo
Today · 4.125%
HK$96,645
baseline
▲ 0.50% · 4.625%
HK$102,526
+HK$5,881/mo
Deposit HK$13.29M · loan HK$19.94M · min. income ≈ HK$193,290/mo (50% DSR)
Upfront cash ≈ HK$14.71M (deposit + AVD stamp duty HK$1,412,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,172
−HK$5,466/mo
▼ 0.25% · 3.875%
HK$103,886
−HK$2,752/mo
Today · 4.125%
HK$106,638
baseline
▲ 0.50% · 4.625%
HK$112,260
+HK$5,622/mo
Deposit HK$13.29M · loan HK$19.94M · min. income ≈ HK$213,276/mo (50% DSR)
Upfront cash ≈ HK$14.71M (deposit + AVD stamp duty HK$1,412,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,099
−HK$6,654/mo
▼ 0.25% · 3.875%
HK$109,400
−HK$3,353/mo
Today · 4.125%
HK$112,753
baseline
▲ 0.50% · 4.625%
HK$119,613
+HK$6,860/mo
Deposit HK$9.97M · loan HK$23.26M · min. income ≈ HK$225,506/mo (50% DSR)
Upfront cash ≈ HK$11.38M (deposit + AVD stamp duty HK$1,412,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,035
−HK$6,377/mo
▼ 0.25% · 3.875%
HK$121,200
−HK$3,212/mo
Today · 4.125%
HK$124,412
baseline
▲ 0.50% · 4.625%
HK$130,969
+HK$6,557/mo
Deposit HK$9.97M · loan HK$23.26M · min. income ≈ HK$248,824/mo (50% DSR)
Upfront cash ≈ HK$11.38M (deposit + AVD stamp duty HK$1,412,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,414
−HK$8,554/mo
▼ 0.25% · 3.875%
HK$140,657
−HK$4,311/mo
Today · 4.125%
HK$144,968
baseline
▲ 0.50% · 4.625%
HK$153,789
+HK$8,821/mo
Deposit HK$3.32M · loan HK$29.91M · min. income ≈ HK$289,936/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$1,412,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,759
−HK$8,199/mo
▼ 0.25% · 3.875%
HK$155,829
−HK$4,129/mo
Today · 4.125%
HK$159,958
baseline
▲ 0.50% · 4.625%
HK$168,389
+HK$8,431/mo
Deposit HK$3.32M · loan HK$29.91M · min. income ≈ HK$319,916/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$1,412,506 · Scale 2, in force from 26 Feb 2026)