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$75,487
−HK$4,734/mo
▼ 0.25% · 3.875%
HK$77,835
−HK$2,386/mo
Today · 4.125%
HK$80,221
baseline
▲ 0.50% · 4.625%
HK$85,102
+HK$4,881/mo
Deposit HK$16.55M · loan HK$16.55M · min. income ≈ HK$160,442/mo (50% DSR)
Upfront cash ≈ HK$17.96M (deposit + AVD stamp duty HK$1,406,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,979
−HK$4,537/mo
▼ 0.25% · 3.875%
HK$86,231
−HK$2,285/mo
Today · 4.125%
HK$88,516
baseline
▲ 0.50% · 4.625%
HK$93,182
+HK$4,666/mo
Deposit HK$16.55M · loan HK$16.55M · min. income ≈ HK$177,032/mo (50% DSR)
Upfront cash ≈ HK$17.96M (deposit + AVD stamp duty HK$1,406,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,585
−HK$5,680/mo
▼ 0.25% · 3.875%
HK$93,402
−HK$2,863/mo
Today · 4.125%
HK$96,265
baseline
▲ 0.50% · 4.625%
HK$102,123
+HK$5,858/mo
Deposit HK$13.24M · loan HK$19.86M · min. income ≈ HK$192,530/mo (50% DSR)
Upfront cash ≈ HK$14.65M (deposit + AVD stamp duty HK$1,406,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,774
−HK$5,445/mo
▼ 0.25% · 3.875%
HK$103,477
−HK$2,742/mo
Today · 4.125%
HK$106,219
baseline
▲ 0.50% · 4.625%
HK$111,818
+HK$5,599/mo
Deposit HK$13.24M · loan HK$19.86M · min. income ≈ HK$212,438/mo (50% DSR)
Upfront cash ≈ HK$14.65M (deposit + AVD stamp duty HK$1,406,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,682
−HK$6,627/mo
▼ 0.25% · 3.875%
HK$108,969
−HK$3,340/mo
Today · 4.125%
HK$112,309
baseline
▲ 0.50% · 4.625%
HK$119,143
+HK$6,834/mo
Deposit HK$9.93M · loan HK$23.17M · min. income ≈ HK$224,618/mo (50% DSR)
Upfront cash ≈ HK$11.34M (deposit + AVD stamp duty HK$1,406,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,570
−HK$6,352/mo
▼ 0.25% · 3.875%
HK$120,723
−HK$3,199/mo
Today · 4.125%
HK$123,922
baseline
▲ 0.50% · 4.625%
HK$130,454
+HK$6,532/mo
Deposit HK$9.93M · loan HK$23.17M · min. income ≈ HK$247,844/mo (50% DSR)
Upfront cash ≈ HK$11.34M (deposit + AVD stamp duty HK$1,406,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,877
−HK$8,521/mo
▼ 0.25% · 3.875%
HK$140,103
−HK$4,295/mo
Today · 4.125%
HK$144,398
baseline
▲ 0.50% · 4.625%
HK$153,184
+HK$8,786/mo
Deposit HK$3.31M · loan HK$29.79M · min. income ≈ HK$288,796/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$1,406,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,162
−HK$8,166/mo
▼ 0.25% · 3.875%
HK$155,216
−HK$4,112/mo
Today · 4.125%
HK$159,328
baseline
▲ 0.50% · 4.625%
HK$167,727
+HK$8,399/mo
Deposit HK$3.31M · loan HK$29.79M · min. income ≈ HK$318,656/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$1,406,949 · Scale 2, in force from 26 Feb 2026)