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$75,526
−HK$4,737/mo
▼ 0.25% · 3.875%
HK$77,876
−HK$2,387/mo
Today · 4.125%
HK$80,263
baseline
▲ 0.50% · 4.625%
HK$85,146
+HK$4,883/mo
Deposit HK$16.56M · loan HK$16.56M · min. income ≈ HK$160,526/mo (50% DSR)
Upfront cash ≈ HK$17.97M (deposit + AVD stamp duty HK$1,407,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,022
−HK$4,540/mo
▼ 0.25% · 3.875%
HK$86,276
−HK$2,286/mo
Today · 4.125%
HK$88,562
baseline
▲ 0.50% · 4.625%
HK$93,230
+HK$4,668/mo
Deposit HK$16.56M · loan HK$16.56M · min. income ≈ HK$177,124/mo (50% DSR)
Upfront cash ≈ HK$17.97M (deposit + AVD stamp duty HK$1,407,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,632
−HK$5,683/mo
▼ 0.25% · 3.875%
HK$93,451
−HK$2,864/mo
Today · 4.125%
HK$96,315
baseline
▲ 0.50% · 4.625%
HK$102,176
+HK$5,861/mo
Deposit HK$13.25M · loan HK$19.87M · min. income ≈ HK$192,630/mo (50% DSR)
Upfront cash ≈ HK$14.66M (deposit + AVD stamp duty HK$1,407,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,827
−HK$5,447/mo
▼ 0.25% · 3.875%
HK$103,531
−HK$2,743/mo
Today · 4.125%
HK$106,274
baseline
▲ 0.50% · 4.625%
HK$111,876
+HK$5,602/mo
Deposit HK$13.25M · loan HK$19.87M · min. income ≈ HK$212,548/mo (50% DSR)
Upfront cash ≈ HK$14.66M (deposit + AVD stamp duty HK$1,407,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,737
−HK$6,631/mo
▼ 0.25% · 3.875%
HK$109,026
−HK$3,342/mo
Today · 4.125%
HK$112,368
baseline
▲ 0.50% · 4.625%
HK$119,205
+HK$6,837/mo
Deposit HK$9.94M · loan HK$23.19M · min. income ≈ HK$224,736/mo (50% DSR)
Upfront cash ≈ HK$11.34M (deposit + AVD stamp duty HK$1,407,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,631
−HK$6,355/mo
▼ 0.25% · 3.875%
HK$120,786
−HK$3,200/mo
Today · 4.125%
HK$123,986
baseline
▲ 0.50% · 4.625%
HK$130,522
+HK$6,536/mo
Deposit HK$9.94M · loan HK$23.19M · min. income ≈ HK$247,972/mo (50% DSR)
Upfront cash ≈ HK$11.34M (deposit + AVD stamp duty HK$1,407,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,947
−HK$8,526/mo
▼ 0.25% · 3.875%
HK$140,176
−HK$4,297/mo
Today · 4.125%
HK$144,473
baseline
▲ 0.50% · 4.625%
HK$153,263
+HK$8,790/mo
Deposit HK$3.31M · loan HK$29.81M · min. income ≈ HK$288,946/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$1,407,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,240
−HK$8,171/mo
▼ 0.25% · 3.875%
HK$155,296
−HK$4,115/mo
Today · 4.125%
HK$159,411
baseline
▲ 0.50% · 4.625%
HK$167,814
+HK$8,403/mo
Deposit HK$3.31M · loan HK$29.81M · min. income ≈ HK$318,822/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$1,407,680 · Scale 2, in force from 26 Feb 2026)