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$75,429
−HK$4,730/mo
▼ 0.25% · 3.875%
HK$77,775
−HK$2,384/mo
Today · 4.125%
HK$80,159
baseline
▲ 0.50% · 4.625%
HK$85,036
+HK$4,877/mo
Deposit HK$16.54M · loan HK$16.54M · min. income ≈ HK$160,318/mo (50% DSR)
Upfront cash ≈ HK$17.95M (deposit + AVD stamp duty HK$1,405,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,914
−HK$4,533/mo
▼ 0.25% · 3.875%
HK$86,164
−HK$2,283/mo
Today · 4.125%
HK$88,447
baseline
▲ 0.50% · 4.625%
HK$93,109
+HK$4,662/mo
Deposit HK$16.54M · loan HK$16.54M · min. income ≈ HK$176,894/mo (50% DSR)
Upfront cash ≈ HK$17.95M (deposit + AVD stamp duty HK$1,405,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,514
−HK$5,676/mo
▼ 0.25% · 3.875%
HK$93,330
−HK$2,860/mo
Today · 4.125%
HK$96,190
baseline
▲ 0.50% · 4.625%
HK$102,043
+HK$5,853/mo
Deposit HK$13.23M · loan HK$19.85M · min. income ≈ HK$192,380/mo (50% DSR)
Upfront cash ≈ HK$14.64M (deposit + AVD stamp duty HK$1,405,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,696
−HK$5,441/mo
▼ 0.25% · 3.875%
HK$103,397
−HK$2,740/mo
Today · 4.125%
HK$106,137
baseline
▲ 0.50% · 4.625%
HK$111,731
+HK$5,594/mo
Deposit HK$13.23M · loan HK$19.85M · min. income ≈ HK$212,274/mo (50% DSR)
Upfront cash ≈ HK$14.64M (deposit + AVD stamp duty HK$1,405,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,600
−HK$6,622/mo
▼ 0.25% · 3.875%
HK$108,885
−HK$3,337/mo
Today · 4.125%
HK$112,222
baseline
▲ 0.50% · 4.625%
HK$119,050
+HK$6,828/mo
Deposit HK$9.92M · loan HK$23.16M · min. income ≈ HK$224,444/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$1,405,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,479
−HK$6,347/mo
▼ 0.25% · 3.875%
HK$120,630
−HK$3,196/mo
Today · 4.125%
HK$123,826
baseline
▲ 0.50% · 4.625%
HK$130,353
+HK$6,527/mo
Deposit HK$9.92M · loan HK$23.16M · min. income ≈ HK$247,652/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$1,405,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,771
−HK$8,514/mo
▼ 0.25% · 3.875%
HK$139,995
−HK$4,290/mo
Today · 4.125%
HK$144,285
baseline
▲ 0.50% · 4.625%
HK$153,065
+HK$8,780/mo
Deposit HK$3.31M · loan HK$29.77M · min. income ≈ HK$288,570/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$1,405,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,044
−HK$8,161/mo
▼ 0.25% · 3.875%
HK$155,095
−HK$4,110/mo
Today · 4.125%
HK$159,205
baseline
▲ 0.50% · 4.625%
HK$167,597
+HK$8,392/mo
Deposit HK$3.31M · loan HK$29.77M · min. income ≈ HK$318,410/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$1,405,857 · Scale 2, in force from 26 Feb 2026)