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$75,300
−HK$4,722/mo
▼ 0.25% · 3.875%
HK$77,643
−HK$2,379/mo
Today · 4.125%
HK$80,022
baseline
▲ 0.50% · 4.625%
HK$84,891
+HK$4,869/mo
Deposit HK$16.51M · loan HK$16.51M · min. income ≈ HK$160,044/mo (50% DSR)
Upfront cash ≈ HK$17.91M (deposit + AVD stamp duty HK$1,403,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,771
−HK$4,526/mo
▼ 0.25% · 3.875%
HK$86,018
−HK$2,279/mo
Today · 4.125%
HK$88,297
baseline
▲ 0.50% · 4.625%
HK$92,951
+HK$4,654/mo
Deposit HK$16.51M · loan HK$16.51M · min. income ≈ HK$176,594/mo (50% DSR)
Upfront cash ≈ HK$17.91M (deposit + AVD stamp duty HK$1,403,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,360
−HK$5,667/mo
▼ 0.25% · 3.875%
HK$93,171
−HK$2,856/mo
Today · 4.125%
HK$96,027
baseline
▲ 0.50% · 4.625%
HK$101,870
+HK$5,843/mo
Deposit HK$13.21M · loan HK$19.81M · min. income ≈ HK$192,054/mo (50% DSR)
Upfront cash ≈ HK$14.61M (deposit + AVD stamp duty HK$1,403,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,525
−HK$5,431/mo
▼ 0.25% · 3.875%
HK$103,221
−HK$2,735/mo
Today · 4.125%
HK$105,956
baseline
▲ 0.50% · 4.625%
HK$111,541
+HK$5,585/mo
Deposit HK$13.21M · loan HK$19.81M · min. income ≈ HK$211,912/mo (50% DSR)
Upfront cash ≈ HK$14.61M (deposit + AVD stamp duty HK$1,403,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,420
−HK$6,611/mo
▼ 0.25% · 3.875%
HK$108,700
−HK$3,331/mo
Today · 4.125%
HK$112,031
baseline
▲ 0.50% · 4.625%
HK$118,848
+HK$6,817/mo
Deposit HK$9.91M · loan HK$23.12M · min. income ≈ HK$224,062/mo (50% DSR)
Upfront cash ≈ HK$11.31M (deposit + AVD stamp duty HK$1,403,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,279
−HK$6,336/mo
▼ 0.25% · 3.875%
HK$120,425
−HK$3,190/mo
Today · 4.125%
HK$123,615
baseline
▲ 0.50% · 4.625%
HK$130,131
+HK$6,516/mo
Deposit HK$9.91M · loan HK$23.12M · min. income ≈ HK$247,230/mo (50% DSR)
Upfront cash ≈ HK$11.31M (deposit + AVD stamp duty HK$1,403,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,541
−HK$8,499/mo
▼ 0.25% · 3.875%
HK$139,757
−HK$4,283/mo
Today · 4.125%
HK$144,040
baseline
▲ 0.50% · 4.625%
HK$152,805
+HK$8,765/mo
Deposit HK$3.30M · loan HK$29.72M · min. income ≈ HK$288,080/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$1,403,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,788
−HK$8,146/mo
▼ 0.25% · 3.875%
HK$154,832
−HK$4,102/mo
Today · 4.125%
HK$158,934
baseline
▲ 0.50% · 4.625%
HK$167,312
+HK$8,378/mo
Deposit HK$3.30M · loan HK$29.72M · min. income ≈ HK$317,868/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$1,403,467 · Scale 2, in force from 26 Feb 2026)