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$75,852
−HK$4,757/mo
▼ 0.25% · 3.875%
HK$78,212
−HK$2,397/mo
Today · 4.125%
HK$80,609
baseline
▲ 0.50% · 4.625%
HK$85,514
+HK$4,905/mo
Deposit HK$16.63M · loan HK$16.63M · min. income ≈ HK$161,218/mo (50% DSR)
Upfront cash ≈ HK$18.05M (deposit + AVD stamp duty HK$1,413,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,385
−HK$4,559/mo
▼ 0.25% · 3.875%
HK$86,648
−HK$2,296/mo
Today · 4.125%
HK$88,944
baseline
▲ 0.50% · 4.625%
HK$93,632
+HK$4,688/mo
Deposit HK$16.63M · loan HK$16.63M · min. income ≈ HK$177,888/mo (50% DSR)
Upfront cash ≈ HK$18.05M (deposit + AVD stamp duty HK$1,413,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,023
−HK$5,708/mo
▼ 0.25% · 3.875%
HK$93,854
−HK$2,877/mo
Today · 4.125%
HK$96,731
baseline
▲ 0.50% · 4.625%
HK$102,617
+HK$5,886/mo
Deposit HK$13.31M · loan HK$19.96M · min. income ≈ HK$193,462/mo (50% DSR)
Upfront cash ≈ HK$14.72M (deposit + AVD stamp duty HK$1,413,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,262
−HK$5,471/mo
▼ 0.25% · 3.875%
HK$103,978
−HK$2,755/mo
Today · 4.125%
HK$106,733
baseline
▲ 0.50% · 4.625%
HK$112,359
+HK$5,626/mo
Deposit HK$13.31M · loan HK$19.96M · min. income ≈ HK$213,466/mo (50% DSR)
Upfront cash ≈ HK$14.72M (deposit + AVD stamp duty HK$1,413,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,193
−HK$6,660/mo
▼ 0.25% · 3.875%
HK$109,497
−HK$3,356/mo
Today · 4.125%
HK$112,853
baseline
▲ 0.50% · 4.625%
HK$119,719
+HK$6,866/mo
Deposit HK$9.98M · loan HK$23.29M · min. income ≈ HK$225,706/mo (50% DSR)
Upfront cash ≈ HK$11.39M (deposit + AVD stamp duty HK$1,413,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,139
−HK$6,383/mo
▼ 0.25% · 3.875%
HK$121,307
−HK$3,215/mo
Today · 4.125%
HK$124,522
baseline
▲ 0.50% · 4.625%
HK$131,085
+HK$6,563/mo
Deposit HK$9.98M · loan HK$23.29M · min. income ≈ HK$249,044/mo (50% DSR)
Upfront cash ≈ HK$11.39M (deposit + AVD stamp duty HK$1,413,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,534
−HK$8,562/mo
▼ 0.25% · 3.875%
HK$140,781
−HK$4,315/mo
Today · 4.125%
HK$145,096
baseline
▲ 0.50% · 4.625%
HK$153,925
+HK$8,829/mo
Deposit HK$3.33M · loan HK$29.94M · min. income ≈ HK$290,192/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$1,413,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,893
−HK$8,206/mo
▼ 0.25% · 3.875%
HK$155,967
−HK$4,132/mo
Today · 4.125%
HK$160,099
baseline
▲ 0.50% · 4.625%
HK$168,538
+HK$8,439/mo
Deposit HK$3.33M · loan HK$29.94M · min. income ≈ HK$320,198/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$1,413,756 · Scale 2, in force from 26 Feb 2026)