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$75,378
−HK$4,727/mo
▼ 0.25% · 3.875%
HK$77,723
−HK$2,382/mo
Today · 4.125%
HK$80,105
baseline
▲ 0.50% · 4.625%
HK$84,980
+HK$4,875/mo
Deposit HK$16.53M · loan HK$16.53M · min. income ≈ HK$160,210/mo (50% DSR)
Upfront cash ≈ HK$17.93M (deposit + AVD stamp duty HK$1,404,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,858
−HK$4,530/mo
▼ 0.25% · 3.875%
HK$86,107
−HK$2,281/mo
Today · 4.125%
HK$88,388
baseline
▲ 0.50% · 4.625%
HK$93,047
+HK$4,659/mo
Deposit HK$16.53M · loan HK$16.53M · min. income ≈ HK$176,776/mo (50% DSR)
Upfront cash ≈ HK$17.93M (deposit + AVD stamp duty HK$1,404,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,454
−HK$5,672/mo
▼ 0.25% · 3.875%
HK$93,268
−HK$2,858/mo
Today · 4.125%
HK$96,126
baseline
▲ 0.50% · 4.625%
HK$101,975
+HK$5,849/mo
Deposit HK$13.22M · loan HK$19.83M · min. income ≈ HK$192,252/mo (50% DSR)
Upfront cash ≈ HK$14.63M (deposit + AVD stamp duty HK$1,404,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,629
−HK$5,437/mo
▼ 0.25% · 3.875%
HK$103,328
−HK$2,738/mo
Today · 4.125%
HK$106,066
baseline
▲ 0.50% · 4.625%
HK$111,657
+HK$5,591/mo
Deposit HK$13.22M · loan HK$19.83M · min. income ≈ HK$212,132/mo (50% DSR)
Upfront cash ≈ HK$14.63M (deposit + AVD stamp duty HK$1,404,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,530
−HK$6,617/mo
▼ 0.25% · 3.875%
HK$108,812
−HK$3,335/mo
Today · 4.125%
HK$112,147
baseline
▲ 0.50% · 4.625%
HK$118,971
+HK$6,824/mo
Deposit HK$9.92M · loan HK$23.14M · min. income ≈ HK$224,294/mo (50% DSR)
Upfront cash ≈ HK$11.32M (deposit + AVD stamp duty HK$1,404,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,401
−HK$6,343/mo
▼ 0.25% · 3.875%
HK$120,549
−HK$3,195/mo
Today · 4.125%
HK$123,744
baseline
▲ 0.50% · 4.625%
HK$130,266
+HK$6,522/mo
Deposit HK$9.92M · loan HK$23.14M · min. income ≈ HK$247,488/mo (50% DSR)
Upfront cash ≈ HK$11.32M (deposit + AVD stamp duty HK$1,404,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,681
−HK$8,509/mo
▼ 0.25% · 3.875%
HK$139,902
−HK$4,288/mo
Today · 4.125%
HK$144,190
baseline
▲ 0.50% · 4.625%
HK$152,963
+HK$8,773/mo
Deposit HK$3.31M · loan HK$29.75M · min. income ≈ HK$288,380/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$1,404,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,944
−HK$8,155/mo
▼ 0.25% · 3.875%
HK$154,992
−HK$4,107/mo
Today · 4.125%
HK$159,099
baseline
▲ 0.50% · 4.625%
HK$167,485
+HK$8,386/mo
Deposit HK$3.31M · loan HK$29.75M · min. income ≈ HK$318,198/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$1,404,922 · Scale 2, in force from 26 Feb 2026)