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$75,360
−HK$4,726/mo
▼ 0.25% · 3.875%
HK$77,704
−HK$2,382/mo
Today · 4.125%
HK$80,086
baseline
▲ 0.50% · 4.625%
HK$84,959
+HK$4,873/mo
Deposit HK$16.52M · loan HK$16.52M · min. income ≈ HK$160,172/mo (50% DSR)
Upfront cash ≈ HK$17.93M (deposit + AVD stamp duty HK$1,404,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,838
−HK$4,529/mo
▼ 0.25% · 3.875%
HK$86,086
−HK$2,281/mo
Today · 4.125%
HK$88,367
baseline
▲ 0.50% · 4.625%
HK$93,025
+HK$4,658/mo
Deposit HK$16.52M · loan HK$16.52M · min. income ≈ HK$176,734/mo (50% DSR)
Upfront cash ≈ HK$17.93M (deposit + AVD stamp duty HK$1,404,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,432
−HK$5,671/mo
▼ 0.25% · 3.875%
HK$93,245
−HK$2,858/mo
Today · 4.125%
HK$96,103
baseline
▲ 0.50% · 4.625%
HK$101,951
+HK$5,848/mo
Deposit HK$13.22M · loan HK$19.83M · min. income ≈ HK$192,206/mo (50% DSR)
Upfront cash ≈ HK$14.62M (deposit + AVD stamp duty HK$1,404,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,605
−HK$5,436/mo
▼ 0.25% · 3.875%
HK$103,303
−HK$2,738/mo
Today · 4.125%
HK$106,041
baseline
▲ 0.50% · 4.625%
HK$111,630
+HK$5,589/mo
Deposit HK$13.22M · loan HK$19.83M · min. income ≈ HK$212,082/mo (50% DSR)
Upfront cash ≈ HK$14.62M (deposit + AVD stamp duty HK$1,404,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,504
−HK$6,617/mo
▼ 0.25% · 3.875%
HK$108,786
−HK$3,335/mo
Today · 4.125%
HK$112,121
baseline
▲ 0.50% · 4.625%
HK$118,943
+HK$6,822/mo
Deposit HK$9.91M · loan HK$23.13M · min. income ≈ HK$224,242/mo (50% DSR)
Upfront cash ≈ HK$11.32M (deposit + AVD stamp duty HK$1,404,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,373
−HK$6,341/mo
▼ 0.25% · 3.875%
HK$120,521
−HK$3,193/mo
Today · 4.125%
HK$123,714
baseline
▲ 0.50% · 4.625%
HK$130,235
+HK$6,521/mo
Deposit HK$9.91M · loan HK$23.13M · min. income ≈ HK$247,428/mo (50% DSR)
Upfront cash ≈ HK$11.32M (deposit + AVD stamp duty HK$1,404,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,649
−HK$8,506/mo
▼ 0.25% · 3.875%
HK$139,868
−HK$4,287/mo
Today · 4.125%
HK$144,155
baseline
▲ 0.50% · 4.625%
HK$152,926
+HK$8,771/mo
Deposit HK$3.30M · loan HK$29.74M · min. income ≈ HK$288,310/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$1,404,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,908
−HK$8,153/mo
▼ 0.25% · 3.875%
HK$154,955
−HK$4,106/mo
Today · 4.125%
HK$159,061
baseline
▲ 0.50% · 4.625%
HK$167,445
+HK$8,384/mo
Deposit HK$3.30M · loan HK$29.74M · min. income ≈ HK$318,122/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$1,404,586 · Scale 2, in force from 26 Feb 2026)