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$75,285
−HK$4,721/mo
▼ 0.25% · 3.875%
HK$77,627
−HK$2,379/mo
Today · 4.125%
HK$80,006
baseline
▲ 0.50% · 4.625%
HK$84,874
+HK$4,868/mo
Deposit HK$16.51M · loan HK$16.51M · min. income ≈ HK$160,012/mo (50% DSR)
Upfront cash ≈ HK$17.91M (deposit + AVD stamp duty HK$1,403,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,754
−HK$4,525/mo
▼ 0.25% · 3.875%
HK$86,000
−HK$2,279/mo
Today · 4.125%
HK$88,279
baseline
▲ 0.50% · 4.625%
HK$92,932
+HK$4,653/mo
Deposit HK$16.51M · loan HK$16.51M · min. income ≈ HK$176,558/mo (50% DSR)
Upfront cash ≈ HK$17.91M (deposit + AVD stamp duty HK$1,403,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,342
−HK$5,665/mo
▼ 0.25% · 3.875%
HK$93,152
−HK$2,855/mo
Today · 4.125%
HK$96,007
baseline
▲ 0.50% · 4.625%
HK$101,849
+HK$5,842/mo
Deposit HK$13.21M · loan HK$19.81M · min. income ≈ HK$192,014/mo (50% DSR)
Upfront cash ≈ HK$14.61M (deposit + AVD stamp duty HK$1,403,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,504
−HK$5,430/mo
▼ 0.25% · 3.875%
HK$103,200
−HK$2,734/mo
Today · 4.125%
HK$105,934
baseline
▲ 0.50% · 4.625%
HK$111,518
+HK$5,584/mo
Deposit HK$13.21M · loan HK$19.81M · min. income ≈ HK$211,868/mo (50% DSR)
Upfront cash ≈ HK$14.61M (deposit + AVD stamp duty HK$1,403,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,399
−HK$6,609/mo
▼ 0.25% · 3.875%
HK$108,677
−HK$3,331/mo
Today · 4.125%
HK$112,008
baseline
▲ 0.50% · 4.625%
HK$118,824
+HK$6,816/mo
Deposit HK$9.90M · loan HK$23.11M · min. income ≈ HK$224,016/mo (50% DSR)
Upfront cash ≈ HK$11.31M (deposit + AVD stamp duty HK$1,403,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,255
−HK$6,335/mo
▼ 0.25% · 3.875%
HK$120,400
−HK$3,190/mo
Today · 4.125%
HK$123,590
baseline
▲ 0.50% · 4.625%
HK$130,105
+HK$6,515/mo
Deposit HK$9.90M · loan HK$23.11M · min. income ≈ HK$247,180/mo (50% DSR)
Upfront cash ≈ HK$11.31M (deposit + AVD stamp duty HK$1,403,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,513
−HK$8,497/mo
▼ 0.25% · 3.875%
HK$139,728
−HK$4,282/mo
Today · 4.125%
HK$144,010
baseline
▲ 0.50% · 4.625%
HK$152,773
+HK$8,763/mo
Deposit HK$3.30M · loan HK$29.71M · min. income ≈ HK$288,020/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$1,403,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,756
−HK$8,145/mo
▼ 0.25% · 3.875%
HK$154,800
−HK$4,101/mo
Today · 4.125%
HK$158,901
baseline
▲ 0.50% · 4.625%
HK$167,277
+HK$8,376/mo
Deposit HK$3.30M · loan HK$29.71M · min. income ≈ HK$317,802/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$1,403,178 · Scale 2, in force from 26 Feb 2026)