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$75,524
−HK$4,736/mo
▼ 0.25% · 3.875%
HK$77,873
−HK$2,387/mo
Today · 4.125%
HK$80,260
baseline
▲ 0.50% · 4.625%
HK$85,144
+HK$4,884/mo
Deposit HK$16.56M · loan HK$16.56M · min. income ≈ HK$160,520/mo (50% DSR)
Upfront cash ≈ HK$17.97M (deposit + AVD stamp duty HK$1,407,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,020
−HK$4,539/mo
▼ 0.25% · 3.875%
HK$86,273
−HK$2,286/mo
Today · 4.125%
HK$88,559
baseline
▲ 0.50% · 4.625%
HK$93,227
+HK$4,668/mo
Deposit HK$16.56M · loan HK$16.56M · min. income ≈ HK$177,118/mo (50% DSR)
Upfront cash ≈ HK$17.97M (deposit + AVD stamp duty HK$1,407,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,629
−HK$5,683/mo
▼ 0.25% · 3.875%
HK$93,448
−HK$2,864/mo
Today · 4.125%
HK$96,312
baseline
▲ 0.50% · 4.625%
HK$102,172
+HK$5,860/mo
Deposit HK$13.25M · loan HK$19.87M · min. income ≈ HK$192,624/mo (50% DSR)
Upfront cash ≈ HK$14.66M (deposit + AVD stamp duty HK$1,407,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,824
−HK$5,447/mo
▼ 0.25% · 3.875%
HK$103,528
−HK$2,743/mo
Today · 4.125%
HK$106,271
baseline
▲ 0.50% · 4.625%
HK$111,872
+HK$5,601/mo
Deposit HK$13.25M · loan HK$19.87M · min. income ≈ HK$212,542/mo (50% DSR)
Upfront cash ≈ HK$14.66M (deposit + AVD stamp duty HK$1,407,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,734
−HK$6,630/mo
▼ 0.25% · 3.875%
HK$109,022
−HK$3,342/mo
Today · 4.125%
HK$112,364
baseline
▲ 0.50% · 4.625%
HK$119,201
+HK$6,837/mo
Deposit HK$9.94M · loan HK$23.18M · min. income ≈ HK$224,728/mo (50% DSR)
Upfront cash ≈ HK$11.34M (deposit + AVD stamp duty HK$1,407,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,628
−HK$6,355/mo
▼ 0.25% · 3.875%
HK$120,782
−HK$3,201/mo
Today · 4.125%
HK$123,983
baseline
▲ 0.50% · 4.625%
HK$130,518
+HK$6,535/mo
Deposit HK$9.94M · loan HK$23.18M · min. income ≈ HK$247,966/mo (50% DSR)
Upfront cash ≈ HK$11.34M (deposit + AVD stamp duty HK$1,407,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,943
−HK$8,525/mo
▼ 0.25% · 3.875%
HK$140,172
−HK$4,296/mo
Today · 4.125%
HK$144,468
baseline
▲ 0.50% · 4.625%
HK$153,259
+HK$8,791/mo
Deposit HK$3.31M · loan HK$29.81M · min. income ≈ HK$288,936/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$1,407,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,235
−HK$8,171/mo
▼ 0.25% · 3.875%
HK$155,291
−HK$4,115/mo
Today · 4.125%
HK$159,406
baseline
▲ 0.50% · 4.625%
HK$167,809
+HK$8,403/mo
Deposit HK$3.31M · loan HK$29.81M · min. income ≈ HK$318,812/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$1,407,635 · Scale 2, in force from 26 Feb 2026)