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$75,359
−HK$4,726/mo
▼ 0.25% · 3.875%
HK$77,704
−HK$2,381/mo
Today · 4.125%
HK$80,085
baseline
▲ 0.50% · 4.625%
HK$84,958
+HK$4,873/mo
Deposit HK$16.52M · loan HK$16.52M · min. income ≈ HK$160,170/mo (50% DSR)
Upfront cash ≈ HK$17.93M (deposit + AVD stamp duty HK$1,404,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,837
−HK$4,529/mo
▼ 0.25% · 3.875%
HK$86,085
−HK$2,281/mo
Today · 4.125%
HK$88,366
baseline
▲ 0.50% · 4.625%
HK$93,024
+HK$4,658/mo
Deposit HK$16.52M · loan HK$16.52M · min. income ≈ HK$176,732/mo (50% DSR)
Upfront cash ≈ HK$17.93M (deposit + AVD stamp duty HK$1,404,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,431
−HK$5,671/mo
▼ 0.25% · 3.875%
HK$93,244
−HK$2,858/mo
Today · 4.125%
HK$96,102
baseline
▲ 0.50% · 4.625%
HK$101,950
+HK$5,848/mo
Deposit HK$13.22M · loan HK$19.83M · min. income ≈ HK$192,204/mo (50% DSR)
Upfront cash ≈ HK$14.62M (deposit + AVD stamp duty HK$1,404,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,604
−HK$5,435/mo
▼ 0.25% · 3.875%
HK$103,302
−HK$2,737/mo
Today · 4.125%
HK$106,039
baseline
▲ 0.50% · 4.625%
HK$111,629
+HK$5,590/mo
Deposit HK$13.22M · loan HK$19.83M · min. income ≈ HK$212,078/mo (50% DSR)
Upfront cash ≈ HK$14.62M (deposit + AVD stamp duty HK$1,404,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,503
−HK$6,616/mo
▼ 0.25% · 3.875%
HK$108,785
−HK$3,334/mo
Today · 4.125%
HK$112,119
baseline
▲ 0.50% · 4.625%
HK$118,941
+HK$6,822/mo
Deposit HK$9.91M · loan HK$23.13M · min. income ≈ HK$224,238/mo (50% DSR)
Upfront cash ≈ HK$11.32M (deposit + AVD stamp duty HK$1,404,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,371
−HK$6,341/mo
▼ 0.25% · 3.875%
HK$120,519
−HK$3,193/mo
Today · 4.125%
HK$123,712
baseline
▲ 0.50% · 4.625%
HK$130,234
+HK$6,522/mo
Deposit HK$9.91M · loan HK$23.13M · min. income ≈ HK$247,424/mo (50% DSR)
Upfront cash ≈ HK$11.32M (deposit + AVD stamp duty HK$1,404,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,647
−HK$8,506/mo
▼ 0.25% · 3.875%
HK$139,866
−HK$4,287/mo
Today · 4.125%
HK$144,153
baseline
▲ 0.50% · 4.625%
HK$152,925
+HK$8,772/mo
Deposit HK$3.30M · loan HK$29.74M · min. income ≈ HK$288,306/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$1,404,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,906
−HK$8,153/mo
▼ 0.25% · 3.875%
HK$154,953
−HK$4,106/mo
Today · 4.125%
HK$159,059
baseline
▲ 0.50% · 4.625%
HK$167,443
+HK$8,384/mo
Deposit HK$3.30M · loan HK$29.74M · min. income ≈ HK$318,118/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$1,404,569 · Scale 2, in force from 26 Feb 2026)