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$75,294
−HK$4,722/mo
▼ 0.25% · 3.875%
HK$77,636
−HK$2,380/mo
Today · 4.125%
HK$80,016
baseline
▲ 0.50% · 4.625%
HK$84,885
+HK$4,869/mo
Deposit HK$16.51M · loan HK$16.51M · min. income ≈ HK$160,032/mo (50% DSR)
Upfront cash ≈ HK$17.91M (deposit + AVD stamp duty HK$1,403,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,764
−HK$4,526/mo
▼ 0.25% · 3.875%
HK$86,011
−HK$2,279/mo
Today · 4.125%
HK$88,290
baseline
▲ 0.50% · 4.625%
HK$92,944
+HK$4,654/mo
Deposit HK$16.51M · loan HK$16.51M · min. income ≈ HK$176,580/mo (50% DSR)
Upfront cash ≈ HK$17.91M (deposit + AVD stamp duty HK$1,403,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,353
−HK$5,666/mo
▼ 0.25% · 3.875%
HK$93,164
−HK$2,855/mo
Today · 4.125%
HK$96,019
baseline
▲ 0.50% · 4.625%
HK$101,862
+HK$5,843/mo
Deposit HK$13.21M · loan HK$19.81M · min. income ≈ HK$192,038/mo (50% DSR)
Upfront cash ≈ HK$14.61M (deposit + AVD stamp duty HK$1,403,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,517
−HK$5,431/mo
▼ 0.25% · 3.875%
HK$103,213
−HK$2,735/mo
Today · 4.125%
HK$105,948
baseline
▲ 0.50% · 4.625%
HK$111,532
+HK$5,584/mo
Deposit HK$13.21M · loan HK$19.81M · min. income ≈ HK$211,896/mo (50% DSR)
Upfront cash ≈ HK$14.61M (deposit + AVD stamp duty HK$1,403,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,412
−HK$6,610/mo
▼ 0.25% · 3.875%
HK$108,691
−HK$3,331/mo
Today · 4.125%
HK$112,022
baseline
▲ 0.50% · 4.625%
HK$118,839
+HK$6,817/mo
Deposit HK$9.91M · loan HK$23.11M · min. income ≈ HK$224,044/mo (50% DSR)
Upfront cash ≈ HK$11.31M (deposit + AVD stamp duty HK$1,403,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,270
−HK$6,336/mo
▼ 0.25% · 3.875%
HK$120,415
−HK$3,191/mo
Today · 4.125%
HK$123,606
baseline
▲ 0.50% · 4.625%
HK$130,121
+HK$6,515/mo
Deposit HK$9.91M · loan HK$23.11M · min. income ≈ HK$247,212/mo (50% DSR)
Upfront cash ≈ HK$11.31M (deposit + AVD stamp duty HK$1,403,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,530
−HK$8,499/mo
▼ 0.25% · 3.875%
HK$139,746
−HK$4,283/mo
Today · 4.125%
HK$144,029
baseline
▲ 0.50% · 4.625%
HK$152,793
+HK$8,764/mo
Deposit HK$3.30M · loan HK$29.72M · min. income ≈ HK$288,058/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$1,403,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,776
−HK$8,146/mo
▼ 0.25% · 3.875%
HK$154,819
−HK$4,103/mo
Today · 4.125%
HK$158,922
baseline
▲ 0.50% · 4.625%
HK$167,299
+HK$8,377/mo
Deposit HK$3.30M · loan HK$29.72M · min. income ≈ HK$317,844/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$1,403,356 · Scale 2, in force from 26 Feb 2026)