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$75,714
−HK$4,748/mo
▼ 0.25% · 3.875%
HK$78,069
−HK$2,393/mo
Today · 4.125%
HK$80,462
baseline
▲ 0.50% · 4.625%
HK$85,358
+HK$4,896/mo
Deposit HK$16.60M · loan HK$16.60M · min. income ≈ HK$160,924/mo (50% DSR)
Upfront cash ≈ HK$18.01M (deposit + AVD stamp duty HK$1,411,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,231
−HK$4,550/mo
▼ 0.25% · 3.875%
HK$86,490
−HK$2,291/mo
Today · 4.125%
HK$88,781
baseline
▲ 0.50% · 4.625%
HK$93,461
+HK$4,680/mo
Deposit HK$16.60M · loan HK$16.60M · min. income ≈ HK$177,562/mo (50% DSR)
Upfront cash ≈ HK$18.01M (deposit + AVD stamp duty HK$1,411,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,856
−HK$5,698/mo
▼ 0.25% · 3.875%
HK$93,683
−HK$2,871/mo
Today · 4.125%
HK$96,554
baseline
▲ 0.50% · 4.625%
HK$102,429
+HK$5,875/mo
Deposit HK$13.28M · loan HK$19.92M · min. income ≈ HK$193,108/mo (50% DSR)
Upfront cash ≈ HK$14.69M (deposit + AVD stamp duty HK$1,411,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,077
−HK$5,461/mo
▼ 0.25% · 3.875%
HK$103,788
−HK$2,750/mo
Today · 4.125%
HK$106,538
baseline
▲ 0.50% · 4.625%
HK$112,154
+HK$5,616/mo
Deposit HK$13.28M · loan HK$19.92M · min. income ≈ HK$213,076/mo (50% DSR)
Upfront cash ≈ HK$14.69M (deposit + AVD stamp duty HK$1,411,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,999
−HK$6,647/mo
▼ 0.25% · 3.875%
HK$109,296
−HK$3,350/mo
Today · 4.125%
HK$112,646
baseline
▲ 0.50% · 4.625%
HK$119,501
+HK$6,855/mo
Deposit HK$9.96M · loan HK$23.24M · min. income ≈ HK$225,292/mo (50% DSR)
Upfront cash ≈ HK$11.37M (deposit + AVD stamp duty HK$1,411,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,923
−HK$6,371/mo
▼ 0.25% · 3.875%
HK$121,086
−HK$3,208/mo
Today · 4.125%
HK$124,294
baseline
▲ 0.50% · 4.625%
HK$130,846
+HK$6,552/mo
Deposit HK$9.96M · loan HK$23.24M · min. income ≈ HK$248,588/mo (50% DSR)
Upfront cash ≈ HK$11.37M (deposit + AVD stamp duty HK$1,411,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,285
−HK$8,546/mo
▼ 0.25% · 3.875%
HK$140,524
−HK$4,307/mo
Today · 4.125%
HK$144,831
baseline
▲ 0.50% · 4.625%
HK$153,644
+HK$8,813/mo
Deposit HK$3.32M · loan HK$29.88M · min. income ≈ HK$289,662/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$1,411,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,615
−HK$8,192/mo
▼ 0.25% · 3.875%
HK$155,682
−HK$4,125/mo
Today · 4.125%
HK$159,807
baseline
▲ 0.50% · 4.625%
HK$168,230
+HK$8,423/mo
Deposit HK$3.32M · loan HK$29.88M · min. income ≈ HK$319,614/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$1,411,172 · Scale 2, in force from 26 Feb 2026)