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$75,453
−HK$4,731/mo
▼ 0.25% · 3.875%
HK$77,800
−HK$2,384/mo
Today · 4.125%
HK$80,184
baseline
▲ 0.50% · 4.625%
HK$85,063
+HK$4,879/mo
Deposit HK$16.54M · loan HK$16.54M · min. income ≈ HK$160,368/mo (50% DSR)
Upfront cash ≈ HK$17.95M (deposit + AVD stamp duty HK$1,406,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,941
−HK$4,535/mo
▼ 0.25% · 3.875%
HK$86,192
−HK$2,284/mo
Today · 4.125%
HK$88,476
baseline
▲ 0.50% · 4.625%
HK$93,139
+HK$4,663/mo
Deposit HK$16.54M · loan HK$16.54M · min. income ≈ HK$176,952/mo (50% DSR)
Upfront cash ≈ HK$17.95M (deposit + AVD stamp duty HK$1,406,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,543
−HK$5,678/mo
▼ 0.25% · 3.875%
HK$93,360
−HK$2,861/mo
Today · 4.125%
HK$96,221
baseline
▲ 0.50% · 4.625%
HK$102,076
+HK$5,855/mo
Deposit HK$13.24M · loan HK$19.85M · min. income ≈ HK$192,442/mo (50% DSR)
Upfront cash ≈ HK$14.64M (deposit + AVD stamp duty HK$1,406,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,729
−HK$5,442/mo
▼ 0.25% · 3.875%
HK$103,430
−HK$2,741/mo
Today · 4.125%
HK$106,171
baseline
▲ 0.50% · 4.625%
HK$111,767
+HK$5,596/mo
Deposit HK$13.24M · loan HK$19.85M · min. income ≈ HK$212,342/mo (50% DSR)
Upfront cash ≈ HK$14.64M (deposit + AVD stamp duty HK$1,406,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,634
−HK$6,624/mo
▼ 0.25% · 3.875%
HK$108,920
−HK$3,338/mo
Today · 4.125%
HK$112,258
baseline
▲ 0.50% · 4.625%
HK$119,089
+HK$6,831/mo
Deposit HK$9.93M · loan HK$23.16M · min. income ≈ HK$224,516/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$1,406,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,517
−HK$6,349/mo
▼ 0.25% · 3.875%
HK$120,668
−HK$3,198/mo
Today · 4.125%
HK$123,866
baseline
▲ 0.50% · 4.625%
HK$130,395
+HK$6,529/mo
Deposit HK$9.93M · loan HK$23.16M · min. income ≈ HK$247,732/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$1,406,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,815
−HK$8,517/mo
▼ 0.25% · 3.875%
HK$140,040
−HK$4,292/mo
Today · 4.125%
HK$144,332
baseline
▲ 0.50% · 4.625%
HK$153,114
+HK$8,782/mo
Deposit HK$3.31M · loan HK$29.78M · min. income ≈ HK$288,664/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$1,406,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,093
−HK$8,163/mo
▼ 0.25% · 3.875%
HK$155,145
−HK$4,111/mo
Today · 4.125%
HK$159,256
baseline
▲ 0.50% · 4.625%
HK$167,651
+HK$8,395/mo
Deposit HK$3.31M · loan HK$29.78M · min. income ≈ HK$318,512/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$1,406,309 · Scale 2, in force from 26 Feb 2026)