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$75,319
−HK$4,723/mo
▼ 0.25% · 3.875%
HK$77,661
−HK$2,381/mo
Today · 4.125%
HK$80,042
baseline
▲ 0.50% · 4.625%
HK$84,912
+HK$4,870/mo
Deposit HK$16.52M · loan HK$16.52M · min. income ≈ HK$160,084/mo (50% DSR)
Upfront cash ≈ HK$17.92M (deposit + AVD stamp duty HK$1,403,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,791
−HK$4,527/mo
▼ 0.25% · 3.875%
HK$86,038
−HK$2,280/mo
Today · 4.125%
HK$88,318
baseline
▲ 0.50% · 4.625%
HK$92,974
+HK$4,656/mo
Deposit HK$16.52M · loan HK$16.52M · min. income ≈ HK$176,636/mo (50% DSR)
Upfront cash ≈ HK$17.92M (deposit + AVD stamp duty HK$1,403,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,382
−HK$5,668/mo
▼ 0.25% · 3.875%
HK$93,194
−HK$2,856/mo
Today · 4.125%
HK$96,050
baseline
▲ 0.50% · 4.625%
HK$101,895
+HK$5,845/mo
Deposit HK$13.21M · loan HK$19.82M · min. income ≈ HK$192,100/mo (50% DSR)
Upfront cash ≈ HK$14.62M (deposit + AVD stamp duty HK$1,403,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,549
−HK$5,433/mo
▼ 0.25% · 3.875%
HK$103,246
−HK$2,736/mo
Today · 4.125%
HK$105,982
baseline
▲ 0.50% · 4.625%
HK$111,568
+HK$5,586/mo
Deposit HK$13.21M · loan HK$19.82M · min. income ≈ HK$211,964/mo (50% DSR)
Upfront cash ≈ HK$14.62M (deposit + AVD stamp duty HK$1,403,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,446
−HK$6,612/mo
▼ 0.25% · 3.875%
HK$108,726
−HK$3,332/mo
Today · 4.125%
HK$112,058
baseline
▲ 0.50% · 4.625%
HK$118,877
+HK$6,819/mo
Deposit HK$9.91M · loan HK$23.12M · min. income ≈ HK$224,116/mo (50% DSR)
Upfront cash ≈ HK$11.31M (deposit + AVD stamp duty HK$1,403,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,308
−HK$6,337/mo
▼ 0.25% · 3.875%
HK$120,454
−HK$3,191/mo
Today · 4.125%
HK$123,645
baseline
▲ 0.50% · 4.625%
HK$130,163
+HK$6,518/mo
Deposit HK$9.91M · loan HK$23.12M · min. income ≈ HK$247,290/mo (50% DSR)
Upfront cash ≈ HK$11.31M (deposit + AVD stamp duty HK$1,403,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,574
−HK$8,501/mo
▼ 0.25% · 3.875%
HK$139,791
−HK$4,284/mo
Today · 4.125%
HK$144,075
baseline
▲ 0.50% · 4.625%
HK$152,842
+HK$8,767/mo
Deposit HK$3.30M · loan HK$29.73M · min. income ≈ HK$288,150/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$1,403,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,824
−HK$8,149/mo
▼ 0.25% · 3.875%
HK$154,869
−HK$4,104/mo
Today · 4.125%
HK$158,973
baseline
▲ 0.50% · 4.625%
HK$167,352
+HK$8,379/mo
Deposit HK$3.30M · loan HK$29.73M · min. income ≈ HK$317,946/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$1,403,808 · Scale 2, in force from 26 Feb 2026)