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$75,303
−HK$4,722/mo
▼ 0.25% · 3.875%
HK$77,645
−HK$2,380/mo
Today · 4.125%
HK$80,025
baseline
▲ 0.50% · 4.625%
HK$84,894
+HK$4,869/mo
Deposit HK$16.51M · loan HK$16.51M · min. income ≈ HK$160,050/mo (50% DSR)
Upfront cash ≈ HK$17.92M (deposit + AVD stamp duty HK$1,403,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,773
−HK$4,527/mo
▼ 0.25% · 3.875%
HK$86,020
−HK$2,280/mo
Today · 4.125%
HK$88,300
baseline
▲ 0.50% · 4.625%
HK$92,954
+HK$4,654/mo
Deposit HK$16.51M · loan HK$16.51M · min. income ≈ HK$176,600/mo (50% DSR)
Upfront cash ≈ HK$17.92M (deposit + AVD stamp duty HK$1,403,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,363
−HK$5,667/mo
▼ 0.25% · 3.875%
HK$93,174
−HK$2,856/mo
Today · 4.125%
HK$96,030
baseline
▲ 0.50% · 4.625%
HK$101,873
+HK$5,843/mo
Deposit HK$13.21M · loan HK$19.81M · min. income ≈ HK$192,060/mo (50% DSR)
Upfront cash ≈ HK$14.61M (deposit + AVD stamp duty HK$1,403,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,528
−HK$5,431/mo
▼ 0.25% · 3.875%
HK$103,224
−HK$2,735/mo
Today · 4.125%
HK$105,959
baseline
▲ 0.50% · 4.625%
HK$111,545
+HK$5,586/mo
Deposit HK$13.21M · loan HK$19.81M · min. income ≈ HK$211,918/mo (50% DSR)
Upfront cash ≈ HK$14.61M (deposit + AVD stamp duty HK$1,403,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,424
−HK$6,611/mo
▼ 0.25% · 3.875%
HK$108,703
−HK$3,332/mo
Today · 4.125%
HK$112,035
baseline
▲ 0.50% · 4.625%
HK$118,852
+HK$6,817/mo
Deposit HK$9.91M · loan HK$23.12M · min. income ≈ HK$224,070/mo (50% DSR)
Upfront cash ≈ HK$11.31M (deposit + AVD stamp duty HK$1,403,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,283
−HK$6,336/mo
▼ 0.25% · 3.875%
HK$120,428
−HK$3,191/mo
Today · 4.125%
HK$123,619
baseline
▲ 0.50% · 4.625%
HK$130,135
+HK$6,516/mo
Deposit HK$9.91M · loan HK$23.12M · min. income ≈ HK$247,238/mo (50% DSR)
Upfront cash ≈ HK$11.31M (deposit + AVD stamp duty HK$1,403,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,545
−HK$8,500/mo
▼ 0.25% · 3.875%
HK$139,761
−HK$4,284/mo
Today · 4.125%
HK$144,045
baseline
▲ 0.50% · 4.625%
HK$152,809
+HK$8,764/mo
Deposit HK$3.30M · loan HK$29.72M · min. income ≈ HK$288,090/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$1,403,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,792
−HK$8,147/mo
▼ 0.25% · 3.875%
HK$154,836
−HK$4,103/mo
Today · 4.125%
HK$158,939
baseline
▲ 0.50% · 4.625%
HK$167,317
+HK$8,378/mo
Deposit HK$3.30M · loan HK$29.72M · min. income ≈ HK$317,878/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$1,403,511 · Scale 2, in force from 26 Feb 2026)