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$75,590
−HK$4,740/mo
▼ 0.25% · 3.875%
HK$77,941
−HK$2,389/mo
Today · 4.125%
HK$80,330
baseline
▲ 0.50% · 4.625%
HK$85,218
+HK$4,888/mo
Deposit HK$16.57M · loan HK$16.57M · min. income ≈ HK$160,660/mo (50% DSR)
Upfront cash ≈ HK$17.98M (deposit + AVD stamp duty HK$1,408,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,093
−HK$4,544/mo
▼ 0.25% · 3.875%
HK$86,349
−HK$2,288/mo
Today · 4.125%
HK$88,637
baseline
▲ 0.50% · 4.625%
HK$93,309
+HK$4,672/mo
Deposit HK$16.57M · loan HK$16.57M · min. income ≈ HK$177,274/mo (50% DSR)
Upfront cash ≈ HK$17.98M (deposit + AVD stamp duty HK$1,408,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,708
−HK$5,688/mo
▼ 0.25% · 3.875%
HK$93,530
−HK$2,866/mo
Today · 4.125%
HK$96,396
baseline
▲ 0.50% · 4.625%
HK$102,262
+HK$5,866/mo
Deposit HK$13.26M · loan HK$19.89M · min. income ≈ HK$192,792/mo (50% DSR)
Upfront cash ≈ HK$14.67M (deposit + AVD stamp duty HK$1,408,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,912
−HK$5,452/mo
▼ 0.25% · 3.875%
HK$103,618
−HK$2,746/mo
Today · 4.125%
HK$106,364
baseline
▲ 0.50% · 4.625%
HK$111,971
+HK$5,607/mo
Deposit HK$13.26M · loan HK$19.89M · min. income ≈ HK$212,728/mo (50% DSR)
Upfront cash ≈ HK$14.67M (deposit + AVD stamp duty HK$1,408,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,826
−HK$6,636/mo
▼ 0.25% · 3.875%
HK$109,118
−HK$3,344/mo
Today · 4.125%
HK$112,462
baseline
▲ 0.50% · 4.625%
HK$119,306
+HK$6,844/mo
Deposit HK$9.94M · loan HK$23.20M · min. income ≈ HK$224,924/mo (50% DSR)
Upfront cash ≈ HK$11.35M (deposit + AVD stamp duty HK$1,408,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,731
−HK$6,360/mo
▼ 0.25% · 3.875%
HK$120,888
−HK$3,203/mo
Today · 4.125%
HK$124,091
baseline
▲ 0.50% · 4.625%
HK$130,632
+HK$6,541/mo
Deposit HK$9.94M · loan HK$23.20M · min. income ≈ HK$248,182/mo (50% DSR)
Upfront cash ≈ HK$11.35M (deposit + AVD stamp duty HK$1,408,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,062
−HK$8,533/mo
▼ 0.25% · 3.875%
HK$140,295
−HK$4,300/mo
Today · 4.125%
HK$144,595
baseline
▲ 0.50% · 4.625%
HK$153,393
+HK$8,798/mo
Deposit HK$3.31M · loan HK$29.83M · min. income ≈ HK$289,190/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$1,408,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,368
−HK$8,178/mo
▼ 0.25% · 3.875%
HK$155,428
−HK$4,118/mo
Today · 4.125%
HK$159,546
baseline
▲ 0.50% · 4.625%
HK$167,956
+HK$8,410/mo
Deposit HK$3.31M · loan HK$29.83M · min. income ≈ HK$319,092/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$1,408,870 · Scale 2, in force from 26 Feb 2026)