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$75,585
−HK$4,740/mo
▼ 0.25% · 3.875%
HK$77,936
−HK$2,389/mo
Today · 4.125%
HK$80,325
baseline
▲ 0.50% · 4.625%
HK$85,212
+HK$4,887/mo
Deposit HK$16.57M · loan HK$16.57M · min. income ≈ HK$160,650/mo (50% DSR)
Upfront cash ≈ HK$17.98M (deposit + AVD stamp duty HK$1,408,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,088
−HK$4,543/mo
▼ 0.25% · 3.875%
HK$86,343
−HK$2,288/mo
Today · 4.125%
HK$88,631
baseline
▲ 0.50% · 4.625%
HK$93,302
+HK$4,671/mo
Deposit HK$16.57M · loan HK$16.57M · min. income ≈ HK$177,262/mo (50% DSR)
Upfront cash ≈ HK$17.98M (deposit + AVD stamp duty HK$1,408,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,702
−HK$5,688/mo
▼ 0.25% · 3.875%
HK$93,523
−HK$2,867/mo
Today · 4.125%
HK$96,390
baseline
▲ 0.50% · 4.625%
HK$102,255
+HK$5,865/mo
Deposit HK$13.26M · loan HK$19.89M · min. income ≈ HK$192,780/mo (50% DSR)
Upfront cash ≈ HK$14.67M (deposit + AVD stamp duty HK$1,408,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,905
−HK$5,452/mo
▼ 0.25% · 3.875%
HK$103,611
−HK$2,746/mo
Today · 4.125%
HK$106,357
baseline
▲ 0.50% · 4.625%
HK$111,963
+HK$5,606/mo
Deposit HK$13.26M · loan HK$19.89M · min. income ≈ HK$212,714/mo (50% DSR)
Upfront cash ≈ HK$14.67M (deposit + AVD stamp duty HK$1,408,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,819
−HK$6,636/mo
▼ 0.25% · 3.875%
HK$109,111
−HK$3,344/mo
Today · 4.125%
HK$112,455
baseline
▲ 0.50% · 4.625%
HK$119,297
+HK$6,842/mo
Deposit HK$9.94M · loan HK$23.20M · min. income ≈ HK$224,910/mo (50% DSR)
Upfront cash ≈ HK$11.35M (deposit + AVD stamp duty HK$1,408,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,723
−HK$6,360/mo
▼ 0.25% · 3.875%
HK$120,880
−HK$3,203/mo
Today · 4.125%
HK$124,083
baseline
▲ 0.50% · 4.625%
HK$130,623
+HK$6,540/mo
Deposit HK$9.94M · loan HK$23.20M · min. income ≈ HK$248,166/mo (50% DSR)
Upfront cash ≈ HK$11.35M (deposit + AVD stamp duty HK$1,408,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,053
−HK$8,532/mo
▼ 0.25% · 3.875%
HK$140,285
−HK$4,300/mo
Today · 4.125%
HK$144,585
baseline
▲ 0.50% · 4.625%
HK$153,382
+HK$8,797/mo
Deposit HK$3.31M · loan HK$29.83M · min. income ≈ HK$289,170/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$1,408,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,358
−HK$8,177/mo
▼ 0.25% · 3.875%
HK$155,417
−HK$4,118/mo
Today · 4.125%
HK$159,535
baseline
▲ 0.50% · 4.625%
HK$167,944
+HK$8,409/mo
Deposit HK$3.31M · loan HK$29.83M · min. income ≈ HK$319,070/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$1,408,773 · Scale 2, in force from 26 Feb 2026)