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$75,499
−HK$4,735/mo
▼ 0.25% · 3.875%
HK$77,848
−HK$2,386/mo
Today · 4.125%
HK$80,234
baseline
▲ 0.50% · 4.625%
HK$85,116
+HK$4,882/mo
Deposit HK$16.56M · loan HK$16.56M · min. income ≈ HK$160,468/mo (50% DSR)
Upfront cash ≈ HK$17.96M (deposit + AVD stamp duty HK$1,407,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,992
−HK$4,538/mo
▼ 0.25% · 3.875%
HK$86,245
−HK$2,285/mo
Today · 4.125%
HK$88,530
baseline
▲ 0.50% · 4.625%
HK$93,197
+HK$4,667/mo
Deposit HK$16.56M · loan HK$16.56M · min. income ≈ HK$177,060/mo (50% DSR)
Upfront cash ≈ HK$17.96M (deposit + AVD stamp duty HK$1,407,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,599
−HK$5,682/mo
▼ 0.25% · 3.875%
HK$93,417
−HK$2,864/mo
Today · 4.125%
HK$96,281
baseline
▲ 0.50% · 4.625%
HK$102,139
+HK$5,858/mo
Deposit HK$13.24M · loan HK$19.87M · min. income ≈ HK$192,562/mo (50% DSR)
Upfront cash ≈ HK$14.65M (deposit + AVD stamp duty HK$1,407,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,791
−HK$5,445/mo
▼ 0.25% · 3.875%
HK$103,494
−HK$2,742/mo
Today · 4.125%
HK$106,236
baseline
▲ 0.50% · 4.625%
HK$111,836
+HK$5,600/mo
Deposit HK$13.24M · loan HK$19.87M · min. income ≈ HK$212,472/mo (50% DSR)
Upfront cash ≈ HK$14.65M (deposit + AVD stamp duty HK$1,407,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,699
−HK$6,628/mo
▼ 0.25% · 3.875%
HK$108,987
−HK$3,340/mo
Today · 4.125%
HK$112,327
baseline
▲ 0.50% · 4.625%
HK$119,162
+HK$6,835/mo
Deposit HK$9.93M · loan HK$23.18M · min. income ≈ HK$224,654/mo (50% DSR)
Upfront cash ≈ HK$11.34M (deposit + AVD stamp duty HK$1,407,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,589
−HK$6,353/mo
▼ 0.25% · 3.875%
HK$120,743
−HK$3,199/mo
Today · 4.125%
HK$123,942
baseline
▲ 0.50% · 4.625%
HK$130,475
+HK$6,533/mo
Deposit HK$9.93M · loan HK$23.18M · min. income ≈ HK$247,884/mo (50% DSR)
Upfront cash ≈ HK$11.34M (deposit + AVD stamp duty HK$1,407,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,899
−HK$8,522/mo
▼ 0.25% · 3.875%
HK$140,126
−HK$4,295/mo
Today · 4.125%
HK$144,421
baseline
▲ 0.50% · 4.625%
HK$153,209
+HK$8,788/mo
Deposit HK$3.31M · loan HK$29.80M · min. income ≈ HK$288,842/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$1,407,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,186
−HK$8,168/mo
▼ 0.25% · 3.875%
HK$155,241
−HK$4,113/mo
Today · 4.125%
HK$159,354
baseline
▲ 0.50% · 4.625%
HK$167,754
+HK$8,400/mo
Deposit HK$3.31M · loan HK$29.80M · min. income ≈ HK$318,708/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$1,407,178 · Scale 2, in force from 26 Feb 2026)