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$75,544
−HK$4,737/mo
▼ 0.25% · 3.875%
HK$77,894
−HK$2,387/mo
Today · 4.125%
HK$80,281
baseline
▲ 0.50% · 4.625%
HK$85,166
+HK$4,885/mo
Deposit HK$16.56M · loan HK$16.56M · min. income ≈ HK$160,562/mo (50% DSR)
Upfront cash ≈ HK$17.97M (deposit + AVD stamp duty HK$1,408,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,042
−HK$4,540/mo
▼ 0.25% · 3.875%
HK$86,296
−HK$2,286/mo
Today · 4.125%
HK$88,582
baseline
▲ 0.50% · 4.625%
HK$93,252
+HK$4,670/mo
Deposit HK$16.56M · loan HK$16.56M · min. income ≈ HK$177,164/mo (50% DSR)
Upfront cash ≈ HK$17.97M (deposit + AVD stamp duty HK$1,408,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,653
−HK$5,684/mo
▼ 0.25% · 3.875%
HK$93,472
−HK$2,865/mo
Today · 4.125%
HK$96,337
baseline
▲ 0.50% · 4.625%
HK$102,199
+HK$5,862/mo
Deposit HK$13.25M · loan HK$19.88M · min. income ≈ HK$192,674/mo (50% DSR)
Upfront cash ≈ HK$14.66M (deposit + AVD stamp duty HK$1,408,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,850
−HK$5,449/mo
▼ 0.25% · 3.875%
HK$103,555
−HK$2,744/mo
Today · 4.125%
HK$106,299
baseline
▲ 0.50% · 4.625%
HK$111,902
+HK$5,603/mo
Deposit HK$13.25M · loan HK$19.88M · min. income ≈ HK$212,598/mo (50% DSR)
Upfront cash ≈ HK$14.66M (deposit + AVD stamp duty HK$1,408,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,761
−HK$6,632/mo
▼ 0.25% · 3.875%
HK$109,051
−HK$3,342/mo
Today · 4.125%
HK$112,393
baseline
▲ 0.50% · 4.625%
HK$119,232
+HK$6,839/mo
Deposit HK$9.94M · loan HK$23.19M · min. income ≈ HK$224,786/mo (50% DSR)
Upfront cash ≈ HK$11.35M (deposit + AVD stamp duty HK$1,408,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,658
−HK$6,357/mo
▼ 0.25% · 3.875%
HK$120,814
−HK$3,201/mo
Today · 4.125%
HK$124,015
baseline
▲ 0.50% · 4.625%
HK$130,552
+HK$6,537/mo
Deposit HK$9.94M · loan HK$23.19M · min. income ≈ HK$248,030/mo (50% DSR)
Upfront cash ≈ HK$11.35M (deposit + AVD stamp duty HK$1,408,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,979
−HK$8,527/mo
▼ 0.25% · 3.875%
HK$140,209
−HK$4,297/mo
Today · 4.125%
HK$144,506
baseline
▲ 0.50% · 4.625%
HK$153,299
+HK$8,793/mo
Deposit HK$3.31M · loan HK$29.82M · min. income ≈ HK$289,012/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$1,408,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,275
−HK$8,173/mo
▼ 0.25% · 3.875%
HK$155,332
−HK$4,116/mo
Today · 4.125%
HK$159,448
baseline
▲ 0.50% · 4.625%
HK$167,853
+HK$8,405/mo
Deposit HK$3.31M · loan HK$29.82M · min. income ≈ HK$318,896/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$1,408,005 · Scale 2, in force from 26 Feb 2026)