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$75,530
−HK$4,736/mo
▼ 0.25% · 3.875%
HK$77,879
−HK$2,387/mo
Today · 4.125%
HK$80,266
baseline
▲ 0.50% · 4.625%
HK$85,150
+HK$4,884/mo
Deposit HK$16.56M · loan HK$16.56M · min. income ≈ HK$160,532/mo (50% DSR)
Upfront cash ≈ HK$17.97M (deposit + AVD stamp duty HK$1,407,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,026
−HK$4,540/mo
▼ 0.25% · 3.875%
HK$86,279
−HK$2,287/mo
Today · 4.125%
HK$88,566
baseline
▲ 0.50% · 4.625%
HK$93,234
+HK$4,668/mo
Deposit HK$16.56M · loan HK$16.56M · min. income ≈ HK$177,132/mo (50% DSR)
Upfront cash ≈ HK$17.97M (deposit + AVD stamp duty HK$1,407,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,636
−HK$5,683/mo
▼ 0.25% · 3.875%
HK$93,455
−HK$2,864/mo
Today · 4.125%
HK$96,319
baseline
▲ 0.50% · 4.625%
HK$102,180
+HK$5,861/mo
Deposit HK$13.25M · loan HK$19.87M · min. income ≈ HK$192,638/mo (50% DSR)
Upfront cash ≈ HK$14.66M (deposit + AVD stamp duty HK$1,407,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,831
−HK$5,448/mo
▼ 0.25% · 3.875%
HK$103,535
−HK$2,744/mo
Today · 4.125%
HK$106,279
baseline
▲ 0.50% · 4.625%
HK$111,881
+HK$5,602/mo
Deposit HK$13.25M · loan HK$19.87M · min. income ≈ HK$212,558/mo (50% DSR)
Upfront cash ≈ HK$14.66M (deposit + AVD stamp duty HK$1,407,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,741
−HK$6,631/mo
▼ 0.25% · 3.875%
HK$109,031
−HK$3,341/mo
Today · 4.125%
HK$112,372
baseline
▲ 0.50% · 4.625%
HK$119,210
+HK$6,838/mo
Deposit HK$9.94M · loan HK$23.19M · min. income ≈ HK$224,744/mo (50% DSR)
Upfront cash ≈ HK$11.34M (deposit + AVD stamp duty HK$1,407,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,636
−HK$6,356/mo
▼ 0.25% · 3.875%
HK$120,791
−HK$3,201/mo
Today · 4.125%
HK$123,992
baseline
▲ 0.50% · 4.625%
HK$130,528
+HK$6,536/mo
Deposit HK$9.94M · loan HK$23.19M · min. income ≈ HK$247,984/mo (50% DSR)
Upfront cash ≈ HK$11.34M (deposit + AVD stamp duty HK$1,407,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,953
−HK$8,526/mo
▼ 0.25% · 3.875%
HK$140,182
−HK$4,297/mo
Today · 4.125%
HK$144,479
baseline
▲ 0.50% · 4.625%
HK$153,270
+HK$8,791/mo
Deposit HK$3.31M · loan HK$29.81M · min. income ≈ HK$288,958/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$1,407,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,247
−HK$8,171/mo
▼ 0.25% · 3.875%
HK$155,303
−HK$4,115/mo
Today · 4.125%
HK$159,418
baseline
▲ 0.50% · 4.625%
HK$167,821
+HK$8,403/mo
Deposit HK$3.31M · loan HK$29.81M · min. income ≈ HK$318,836/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$1,407,741 · Scale 2, in force from 26 Feb 2026)