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$75,407
−HK$4,729/mo
▼ 0.25% · 3.875%
HK$77,753
−HK$2,383/mo
Today · 4.125%
HK$80,136
baseline
▲ 0.50% · 4.625%
HK$85,012
+HK$4,876/mo
Deposit HK$16.53M · loan HK$16.53M · min. income ≈ HK$160,272/mo (50% DSR)
Upfront cash ≈ HK$17.94M (deposit + AVD stamp duty HK$1,405,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,889
−HK$4,533/mo
▼ 0.25% · 3.875%
HK$86,139
−HK$2,283/mo
Today · 4.125%
HK$88,422
baseline
▲ 0.50% · 4.625%
HK$93,083
+HK$4,661/mo
Deposit HK$16.53M · loan HK$16.53M · min. income ≈ HK$176,844/mo (50% DSR)
Upfront cash ≈ HK$17.94M (deposit + AVD stamp duty HK$1,405,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,488
−HK$5,675/mo
▼ 0.25% · 3.875%
HK$93,303
−HK$2,860/mo
Today · 4.125%
HK$96,163
baseline
▲ 0.50% · 4.625%
HK$102,014
+HK$5,851/mo
Deposit HK$13.23M · loan HK$19.84M · min. income ≈ HK$192,326/mo (50% DSR)
Upfront cash ≈ HK$14.63M (deposit + AVD stamp duty HK$1,405,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,667
−HK$5,439/mo
▼ 0.25% · 3.875%
HK$103,367
−HK$2,739/mo
Today · 4.125%
HK$106,106
baseline
▲ 0.50% · 4.625%
HK$111,699
+HK$5,593/mo
Deposit HK$13.23M · loan HK$19.84M · min. income ≈ HK$212,212/mo (50% DSR)
Upfront cash ≈ HK$14.63M (deposit + AVD stamp duty HK$1,405,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,570
−HK$6,620/mo
▼ 0.25% · 3.875%
HK$108,854
−HK$3,336/mo
Today · 4.125%
HK$112,190
baseline
▲ 0.50% · 4.625%
HK$119,016
+HK$6,826/mo
Deposit HK$9.92M · loan HK$23.15M · min. income ≈ HK$224,380/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$1,405,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,445
−HK$6,345/mo
▼ 0.25% · 3.875%
HK$120,595
−HK$3,195/mo
Today · 4.125%
HK$123,790
baseline
▲ 0.50% · 4.625%
HK$130,316
+HK$6,526/mo
Deposit HK$9.92M · loan HK$23.15M · min. income ≈ HK$247,580/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$1,405,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,732
−HK$8,512/mo
▼ 0.25% · 3.875%
HK$139,955
−HK$4,289/mo
Today · 4.125%
HK$144,244
baseline
▲ 0.50% · 4.625%
HK$153,021
+HK$8,777/mo
Deposit HK$3.31M · loan HK$29.76M · min. income ≈ HK$288,488/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$1,405,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,001
−HK$8,158/mo
▼ 0.25% · 3.875%
HK$155,051
−HK$4,108/mo
Today · 4.125%
HK$159,159
baseline
▲ 0.50% · 4.625%
HK$167,549
+HK$8,390/mo
Deposit HK$3.31M · loan HK$29.76M · min. income ≈ HK$318,318/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$1,405,454 · Scale 2, in force from 26 Feb 2026)