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$75,420
−HK$4,729/mo
▼ 0.25% · 3.875%
HK$77,766
−HK$2,383/mo
Today · 4.125%
HK$80,149
baseline
▲ 0.50% · 4.625%
HK$85,026
+HK$4,877/mo
Deposit HK$16.54M · loan HK$16.54M · min. income ≈ HK$160,298/mo (50% DSR)
Upfront cash ≈ HK$17.94M (deposit + AVD stamp duty HK$1,405,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,904
−HK$4,533/mo
▼ 0.25% · 3.875%
HK$86,154
−HK$2,283/mo
Today · 4.125%
HK$88,437
baseline
▲ 0.50% · 4.625%
HK$93,098
+HK$4,661/mo
Deposit HK$16.54M · loan HK$16.54M · min. income ≈ HK$176,874/mo (50% DSR)
Upfront cash ≈ HK$17.94M (deposit + AVD stamp duty HK$1,405,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,504
−HK$5,675/mo
▼ 0.25% · 3.875%
HK$93,319
−HK$2,860/mo
Today · 4.125%
HK$96,179
baseline
▲ 0.50% · 4.625%
HK$102,031
+HK$5,852/mo
Deposit HK$13.23M · loan HK$19.85M · min. income ≈ HK$192,358/mo (50% DSR)
Upfront cash ≈ HK$14.64M (deposit + AVD stamp duty HK$1,405,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,684
−HK$5,440/mo
▼ 0.25% · 3.875%
HK$103,385
−HK$2,739/mo
Today · 4.125%
HK$106,124
baseline
▲ 0.50% · 4.625%
HK$111,718
+HK$5,594/mo
Deposit HK$13.23M · loan HK$19.85M · min. income ≈ HK$212,248/mo (50% DSR)
Upfront cash ≈ HK$14.64M (deposit + AVD stamp duty HK$1,405,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,588
−HK$6,621/mo
▼ 0.25% · 3.875%
HK$108,872
−HK$3,337/mo
Today · 4.125%
HK$112,209
baseline
▲ 0.50% · 4.625%
HK$119,037
+HK$6,828/mo
Deposit HK$9.92M · loan HK$23.15M · min. income ≈ HK$224,418/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$1,405,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,465
−HK$6,346/mo
▼ 0.25% · 3.875%
HK$120,616
−HK$3,195/mo
Today · 4.125%
HK$123,811
baseline
▲ 0.50% · 4.625%
HK$130,338
+HK$6,527/mo
Deposit HK$9.92M · loan HK$23.15M · min. income ≈ HK$247,622/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$1,405,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,756
−HK$8,513/mo
▼ 0.25% · 3.875%
HK$139,978
−HK$4,291/mo
Today · 4.125%
HK$144,269
baseline
▲ 0.50% · 4.625%
HK$153,047
+HK$8,778/mo
Deposit HK$3.31M · loan HK$29.77M · min. income ≈ HK$288,538/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$1,405,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,027
−HK$8,159/mo
▼ 0.25% · 3.875%
HK$155,077
−HK$4,109/mo
Today · 4.125%
HK$159,186
baseline
▲ 0.50% · 4.625%
HK$167,577
+HK$8,391/mo
Deposit HK$3.31M · loan HK$29.77M · min. income ≈ HK$318,372/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$1,405,693 · Scale 2, in force from 26 Feb 2026)