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$75,775
−HK$4,751/mo
▼ 0.25% · 3.875%
HK$78,132
−HK$2,394/mo
Today · 4.125%
HK$80,526
baseline
▲ 0.50% · 4.625%
HK$85,426
+HK$4,900/mo
Deposit HK$16.62M · loan HK$16.62M · min. income ≈ HK$161,052/mo (50% DSR)
Upfront cash ≈ HK$18.03M (deposit + AVD stamp duty HK$1,412,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,298
−HK$4,555/mo
▼ 0.25% · 3.875%
HK$86,559
−HK$2,294/mo
Today · 4.125%
HK$88,853
baseline
▲ 0.50% · 4.625%
HK$93,536
+HK$4,683/mo
Deposit HK$16.62M · loan HK$16.62M · min. income ≈ HK$177,706/mo (50% DSR)
Upfront cash ≈ HK$18.03M (deposit + AVD stamp duty HK$1,412,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,929
−HK$5,703/mo
▼ 0.25% · 3.875%
HK$93,758
−HK$2,874/mo
Today · 4.125%
HK$96,632
baseline
▲ 0.50% · 4.625%
HK$102,511
+HK$5,879/mo
Deposit HK$13.29M · loan HK$19.94M · min. income ≈ HK$193,264/mo (50% DSR)
Upfront cash ≈ HK$14.70M (deposit + AVD stamp duty HK$1,412,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,158
−HK$5,465/mo
▼ 0.25% · 3.875%
HK$103,871
−HK$2,752/mo
Today · 4.125%
HK$106,623
baseline
▲ 0.50% · 4.625%
HK$112,244
+HK$5,621/mo
Deposit HK$13.29M · loan HK$19.94M · min. income ≈ HK$213,246/mo (50% DSR)
Upfront cash ≈ HK$14.70M (deposit + AVD stamp duty HK$1,412,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,084
−HK$6,653/mo
▼ 0.25% · 3.875%
HK$109,384
−HK$3,353/mo
Today · 4.125%
HK$112,737
baseline
▲ 0.50% · 4.625%
HK$119,597
+HK$6,860/mo
Deposit HK$9.97M · loan HK$23.26M · min. income ≈ HK$225,474/mo (50% DSR)
Upfront cash ≈ HK$11.38M (deposit + AVD stamp duty HK$1,412,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,018
−HK$6,376/mo
▼ 0.25% · 3.875%
HK$121,183
−HK$3,211/mo
Today · 4.125%
HK$124,394
baseline
▲ 0.50% · 4.625%
HK$130,951
+HK$6,557/mo
Deposit HK$9.97M · loan HK$23.26M · min. income ≈ HK$248,788/mo (50% DSR)
Upfront cash ≈ HK$11.38M (deposit + AVD stamp duty HK$1,412,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,394
−HK$8,553/mo
▼ 0.25% · 3.875%
HK$140,637
−HK$4,310/mo
Today · 4.125%
HK$144,947
baseline
▲ 0.50% · 4.625%
HK$153,767
+HK$8,820/mo
Deposit HK$3.32M · loan HK$29.91M · min. income ≈ HK$289,894/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$1,412,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,737
−HK$8,198/mo
▼ 0.25% · 3.875%
HK$155,807
−HK$4,128/mo
Today · 4.125%
HK$159,935
baseline
▲ 0.50% · 4.625%
HK$168,365
+HK$8,430/mo
Deposit HK$3.32M · loan HK$29.91M · min. income ≈ HK$319,870/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$1,412,306 · Scale 2, in force from 26 Feb 2026)