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$75,687
−HK$4,746/mo
▼ 0.25% · 3.875%
HK$78,041
−HK$2,392/mo
Today · 4.125%
HK$80,433
baseline
▲ 0.50% · 4.625%
HK$85,327
+HK$4,894/mo
Deposit HK$16.60M · loan HK$16.60M · min. income ≈ HK$160,866/mo (50% DSR)
Upfront cash ≈ HK$18.01M (deposit + AVD stamp duty HK$1,410,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,201
−HK$4,549/mo
▼ 0.25% · 3.875%
HK$86,459
−HK$2,291/mo
Today · 4.125%
HK$88,750
baseline
▲ 0.50% · 4.625%
HK$93,428
+HK$4,678/mo
Deposit HK$16.60M · loan HK$16.60M · min. income ≈ HK$177,500/mo (50% DSR)
Upfront cash ≈ HK$18.01M (deposit + AVD stamp duty HK$1,410,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,824
−HK$5,696/mo
▼ 0.25% · 3.875%
HK$93,649
−HK$2,871/mo
Today · 4.125%
HK$96,520
baseline
▲ 0.50% · 4.625%
HK$102,393
+HK$5,873/mo
Deposit HK$13.28M · loan HK$19.92M · min. income ≈ HK$193,040/mo (50% DSR)
Upfront cash ≈ HK$14.69M (deposit + AVD stamp duty HK$1,410,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,041
−HK$5,459/mo
▼ 0.25% · 3.875%
HK$103,751
−HK$2,749/mo
Today · 4.125%
HK$106,500
baseline
▲ 0.50% · 4.625%
HK$112,114
+HK$5,614/mo
Deposit HK$13.28M · loan HK$19.92M · min. income ≈ HK$213,000/mo (50% DSR)
Upfront cash ≈ HK$14.69M (deposit + AVD stamp duty HK$1,410,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,961
−HK$6,645/mo
▼ 0.25% · 3.875%
HK$109,257
−HK$3,349/mo
Today · 4.125%
HK$112,606
baseline
▲ 0.50% · 4.625%
HK$119,458
+HK$6,852/mo
Deposit HK$9.96M · loan HK$23.23M · min. income ≈ HK$225,212/mo (50% DSR)
Upfront cash ≈ HK$11.37M (deposit + AVD stamp duty HK$1,410,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,881
−HK$6,369/mo
▼ 0.25% · 3.875%
HK$121,043
−HK$3,207/mo
Today · 4.125%
HK$124,250
baseline
▲ 0.50% · 4.625%
HK$130,799
+HK$6,549/mo
Deposit HK$9.96M · loan HK$23.23M · min. income ≈ HK$248,500/mo (50% DSR)
Upfront cash ≈ HK$11.37M (deposit + AVD stamp duty HK$1,410,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,236
−HK$8,543/mo
▼ 0.25% · 3.875%
HK$140,474
−HK$4,305/mo
Today · 4.125%
HK$144,779
baseline
▲ 0.50% · 4.625%
HK$153,589
+HK$8,810/mo
Deposit HK$3.32M · loan HK$29.87M · min. income ≈ HK$289,558/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$1,410,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,561
−HK$8,189/mo
▼ 0.25% · 3.875%
HK$155,626
−HK$4,124/mo
Today · 4.125%
HK$159,750
baseline
▲ 0.50% · 4.625%
HK$168,170
+HK$8,420/mo
Deposit HK$3.32M · loan HK$29.87M · min. income ≈ HK$319,500/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$1,410,669 · Scale 2, in force from 26 Feb 2026)