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$75,537
−HK$4,737/mo
▼ 0.25% · 3.875%
HK$77,886
−HK$2,388/mo
Today · 4.125%
HK$80,274
baseline
▲ 0.50% · 4.625%
HK$85,158
+HK$4,884/mo
Deposit HK$16.56M · loan HK$16.56M · min. income ≈ HK$160,548/mo (50% DSR)
Upfront cash ≈ HK$17.97M (deposit + AVD stamp duty HK$1,407,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,034
−HK$4,540/mo
▼ 0.25% · 3.875%
HK$86,288
−HK$2,286/mo
Today · 4.125%
HK$88,574
baseline
▲ 0.50% · 4.625%
HK$93,243
+HK$4,669/mo
Deposit HK$16.56M · loan HK$16.56M · min. income ≈ HK$177,148/mo (50% DSR)
Upfront cash ≈ HK$17.97M (deposit + AVD stamp duty HK$1,407,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,644
−HK$5,684/mo
▼ 0.25% · 3.875%
HK$93,464
−HK$2,864/mo
Today · 4.125%
HK$96,328
baseline
▲ 0.50% · 4.625%
HK$102,190
+HK$5,862/mo
Deposit HK$13.25M · loan HK$19.88M · min. income ≈ HK$192,656/mo (50% DSR)
Upfront cash ≈ HK$14.66M (deposit + AVD stamp duty HK$1,407,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,841
−HK$5,448/mo
▼ 0.25% · 3.875%
HK$103,545
−HK$2,744/mo
Today · 4.125%
HK$106,289
baseline
▲ 0.50% · 4.625%
HK$111,891
+HK$5,602/mo
Deposit HK$13.25M · loan HK$19.88M · min. income ≈ HK$212,578/mo (50% DSR)
Upfront cash ≈ HK$14.66M (deposit + AVD stamp duty HK$1,407,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,751
−HK$6,632/mo
▼ 0.25% · 3.875%
HK$109,041
−HK$3,342/mo
Today · 4.125%
HK$112,383
baseline
▲ 0.50% · 4.625%
HK$119,221
+HK$6,838/mo
Deposit HK$9.94M · loan HK$23.19M · min. income ≈ HK$224,766/mo (50% DSR)
Upfront cash ≈ HK$11.35M (deposit + AVD stamp duty HK$1,407,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,647
−HK$6,357/mo
▼ 0.25% · 3.875%
HK$120,803
−HK$3,201/mo
Today · 4.125%
HK$124,004
baseline
▲ 0.50% · 4.625%
HK$130,540
+HK$6,536/mo
Deposit HK$9.94M · loan HK$23.19M · min. income ≈ HK$248,008/mo (50% DSR)
Upfront cash ≈ HK$11.35M (deposit + AVD stamp duty HK$1,407,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,966
−HK$8,526/mo
▼ 0.25% · 3.875%
HK$140,195
−HK$4,297/mo
Today · 4.125%
HK$144,492
baseline
▲ 0.50% · 4.625%
HK$153,284
+HK$8,792/mo
Deposit HK$3.31M · loan HK$29.81M · min. income ≈ HK$288,984/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$1,407,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,261
−HK$8,172/mo
▼ 0.25% · 3.875%
HK$155,318
−HK$4,115/mo
Today · 4.125%
HK$159,433
baseline
▲ 0.50% · 4.625%
HK$167,837
+HK$8,404/mo
Deposit HK$3.31M · loan HK$29.81M · min. income ≈ HK$318,866/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$1,407,873 · Scale 2, in force from 26 Feb 2026)