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$75,802
−HK$4,754/mo
▼ 0.25% · 3.875%
HK$78,160
−HK$2,396/mo
Today · 4.125%
HK$80,556
baseline
▲ 0.50% · 4.625%
HK$85,457
+HK$4,901/mo
Deposit HK$16.62M · loan HK$16.62M · min. income ≈ HK$161,112/mo (50% DSR)
Upfront cash ≈ HK$18.03M (deposit + AVD stamp duty HK$1,412,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,329
−HK$4,556/mo
▼ 0.25% · 3.875%
HK$86,591
−HK$2,294/mo
Today · 4.125%
HK$88,885
baseline
▲ 0.50% · 4.625%
HK$93,571
+HK$4,686/mo
Deposit HK$16.62M · loan HK$16.62M · min. income ≈ HK$177,770/mo (50% DSR)
Upfront cash ≈ HK$18.03M (deposit + AVD stamp duty HK$1,412,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,963
−HK$5,704/mo
▼ 0.25% · 3.875%
HK$93,792
−HK$2,875/mo
Today · 4.125%
HK$96,667
baseline
▲ 0.50% · 4.625%
HK$102,549
+HK$5,882/mo
Deposit HK$13.30M · loan HK$19.95M · min. income ≈ HK$193,334/mo (50% DSR)
Upfront cash ≈ HK$14.71M (deposit + AVD stamp duty HK$1,412,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,195
−HK$5,468/mo
▼ 0.25% · 3.875%
HK$103,909
−HK$2,754/mo
Today · 4.125%
HK$106,663
baseline
▲ 0.50% · 4.625%
HK$112,285
+HK$5,622/mo
Deposit HK$13.30M · loan HK$19.95M · min. income ≈ HK$213,326/mo (50% DSR)
Upfront cash ≈ HK$14.71M (deposit + AVD stamp duty HK$1,412,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,123
−HK$6,655/mo
▼ 0.25% · 3.875%
HK$109,424
−HK$3,354/mo
Today · 4.125%
HK$112,778
baseline
▲ 0.50% · 4.625%
HK$119,640
+HK$6,862/mo
Deposit HK$9.97M · loan HK$23.27M · min. income ≈ HK$225,556/mo (50% DSR)
Upfront cash ≈ HK$11.39M (deposit + AVD stamp duty HK$1,412,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,061
−HK$6,379/mo
▼ 0.25% · 3.875%
HK$121,227
−HK$3,213/mo
Today · 4.125%
HK$124,440
baseline
▲ 0.50% · 4.625%
HK$130,999
+HK$6,559/mo
Deposit HK$9.97M · loan HK$23.27M · min. income ≈ HK$248,880/mo (50% DSR)
Upfront cash ≈ HK$11.39M (deposit + AVD stamp duty HK$1,412,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,444
−HK$8,557/mo
▼ 0.25% · 3.875%
HK$140,688
−HK$4,313/mo
Today · 4.125%
HK$145,001
baseline
▲ 0.50% · 4.625%
HK$153,823
+HK$8,822/mo
Deposit HK$3.32M · loan HK$29.92M · min. income ≈ HK$290,002/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$1,412,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,793
−HK$8,201/mo
▼ 0.25% · 3.875%
HK$155,864
−HK$4,130/mo
Today · 4.125%
HK$159,994
baseline
▲ 0.50% · 4.625%
HK$168,427
+HK$8,433/mo
Deposit HK$3.32M · loan HK$29.92M · min. income ≈ HK$319,988/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$1,412,824 · Scale 2, in force from 26 Feb 2026)