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$75,317
−HK$4,723/mo
▼ 0.25% · 3.875%
HK$77,660
−HK$2,380/mo
Today · 4.125%
HK$80,040
baseline
▲ 0.50% · 4.625%
HK$84,911
+HK$4,871/mo
Deposit HK$16.52M · loan HK$16.52M · min. income ≈ HK$160,080/mo (50% DSR)
Upfront cash ≈ HK$17.92M (deposit + AVD stamp duty HK$1,403,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,790
−HK$4,527/mo
▼ 0.25% · 3.875%
HK$86,037
−HK$2,280/mo
Today · 4.125%
HK$88,317
baseline
▲ 0.50% · 4.625%
HK$92,972
+HK$4,655/mo
Deposit HK$16.52M · loan HK$16.52M · min. income ≈ HK$176,634/mo (50% DSR)
Upfront cash ≈ HK$17.92M (deposit + AVD stamp duty HK$1,403,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,381
−HK$5,667/mo
▼ 0.25% · 3.875%
HK$93,192
−HK$2,856/mo
Today · 4.125%
HK$96,048
baseline
▲ 0.50% · 4.625%
HK$101,893
+HK$5,845/mo
Deposit HK$13.21M · loan HK$19.82M · min. income ≈ HK$192,096/mo (50% DSR)
Upfront cash ≈ HK$14.62M (deposit + AVD stamp duty HK$1,403,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,548
−HK$5,432/mo
▼ 0.25% · 3.875%
HK$103,244
−HK$2,736/mo
Today · 4.125%
HK$105,980
baseline
▲ 0.50% · 4.625%
HK$111,566
+HK$5,586/mo
Deposit HK$13.21M · loan HK$19.82M · min. income ≈ HK$211,960/mo (50% DSR)
Upfront cash ≈ HK$14.62M (deposit + AVD stamp duty HK$1,403,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,444
−HK$6,612/mo
▼ 0.25% · 3.875%
HK$108,724
−HK$3,332/mo
Today · 4.125%
HK$112,056
baseline
▲ 0.50% · 4.625%
HK$118,875
+HK$6,819/mo
Deposit HK$9.91M · loan HK$23.12M · min. income ≈ HK$224,112/mo (50% DSR)
Upfront cash ≈ HK$11.31M (deposit + AVD stamp duty HK$1,403,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,306
−HK$6,337/mo
▼ 0.25% · 3.875%
HK$120,452
−HK$3,191/mo
Today · 4.125%
HK$123,643
baseline
▲ 0.50% · 4.625%
HK$130,161
+HK$6,518/mo
Deposit HK$9.91M · loan HK$23.12M · min. income ≈ HK$247,286/mo (50% DSR)
Upfront cash ≈ HK$11.31M (deposit + AVD stamp duty HK$1,403,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,571
−HK$8,502/mo
▼ 0.25% · 3.875%
HK$139,788
−HK$4,285/mo
Today · 4.125%
HK$144,073
baseline
▲ 0.50% · 4.625%
HK$152,839
+HK$8,766/mo
Deposit HK$3.30M · loan HK$29.73M · min. income ≈ HK$288,146/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$1,403,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,821
−HK$8,149/mo
▼ 0.25% · 3.875%
HK$154,866
−HK$4,104/mo
Today · 4.125%
HK$158,970
baseline
▲ 0.50% · 4.625%
HK$167,349
+HK$8,379/mo
Deposit HK$3.30M · loan HK$29.73M · min. income ≈ HK$317,940/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$1,403,783 · Scale 2, in force from 26 Feb 2026)