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$75,542
−HK$4,737/mo
▼ 0.25% · 3.875%
HK$77,892
−HK$2,387/mo
Today · 4.125%
HK$80,279
baseline
▲ 0.50% · 4.625%
HK$85,164
+HK$4,885/mo
Deposit HK$16.56M · loan HK$16.56M · min. income ≈ HK$160,558/mo (50% DSR)
Upfront cash ≈ HK$17.97M (deposit + AVD stamp duty HK$1,407,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,040
−HK$4,540/mo
▼ 0.25% · 3.875%
HK$86,294
−HK$2,286/mo
Today · 4.125%
HK$88,580
baseline
▲ 0.50% · 4.625%
HK$93,249
+HK$4,669/mo
Deposit HK$16.56M · loan HK$16.56M · min. income ≈ HK$177,160/mo (50% DSR)
Upfront cash ≈ HK$17.97M (deposit + AVD stamp duty HK$1,407,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,650
−HK$5,685/mo
▼ 0.25% · 3.875%
HK$93,470
−HK$2,865/mo
Today · 4.125%
HK$96,335
baseline
▲ 0.50% · 4.625%
HK$102,197
+HK$5,862/mo
Deposit HK$13.25M · loan HK$19.88M · min. income ≈ HK$192,670/mo (50% DSR)
Upfront cash ≈ HK$14.66M (deposit + AVD stamp duty HK$1,407,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,848
−HK$5,448/mo
▼ 0.25% · 3.875%
HK$103,552
−HK$2,744/mo
Today · 4.125%
HK$106,296
baseline
▲ 0.50% · 4.625%
HK$111,899
+HK$5,603/mo
Deposit HK$13.25M · loan HK$19.88M · min. income ≈ HK$212,592/mo (50% DSR)
Upfront cash ≈ HK$14.66M (deposit + AVD stamp duty HK$1,407,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,759
−HK$6,632/mo
▼ 0.25% · 3.875%
HK$109,048
−HK$3,343/mo
Today · 4.125%
HK$112,391
baseline
▲ 0.50% · 4.625%
HK$119,229
+HK$6,838/mo
Deposit HK$9.94M · loan HK$23.19M · min. income ≈ HK$224,782/mo (50% DSR)
Upfront cash ≈ HK$11.35M (deposit + AVD stamp duty HK$1,407,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,656
−HK$6,356/mo
▼ 0.25% · 3.875%
HK$120,811
−HK$3,201/mo
Today · 4.125%
HK$124,012
baseline
▲ 0.50% · 4.625%
HK$130,549
+HK$6,537/mo
Deposit HK$9.94M · loan HK$23.19M · min. income ≈ HK$248,024/mo (50% DSR)
Upfront cash ≈ HK$11.35M (deposit + AVD stamp duty HK$1,407,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,976
−HK$8,526/mo
▼ 0.25% · 3.875%
HK$140,205
−HK$4,297/mo
Today · 4.125%
HK$144,502
baseline
▲ 0.50% · 4.625%
HK$153,295
+HK$8,793/mo
Deposit HK$3.31M · loan HK$29.82M · min. income ≈ HK$289,004/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$1,407,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,271
−HK$8,173/mo
▼ 0.25% · 3.875%
HK$155,328
−HK$4,116/mo
Today · 4.125%
HK$159,444
baseline
▲ 0.50% · 4.625%
HK$167,849
+HK$8,405/mo
Deposit HK$3.31M · loan HK$29.82M · min. income ≈ HK$318,888/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$1,407,971 · Scale 2, in force from 26 Feb 2026)