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$75,501
−HK$4,735/mo
▼ 0.25% · 3.875%
HK$77,850
−HK$2,386/mo
Today · 4.125%
HK$80,236
baseline
▲ 0.50% · 4.625%
HK$85,118
+HK$4,882/mo
Deposit HK$16.56M · loan HK$16.56M · min. income ≈ HK$160,472/mo (50% DSR)
Upfront cash ≈ HK$17.96M (deposit + AVD stamp duty HK$1,407,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,994
−HK$4,538/mo
▼ 0.25% · 3.875%
HK$86,247
−HK$2,285/mo
Today · 4.125%
HK$88,532
baseline
▲ 0.50% · 4.625%
HK$93,199
+HK$4,667/mo
Deposit HK$16.56M · loan HK$16.56M · min. income ≈ HK$177,064/mo (50% DSR)
Upfront cash ≈ HK$17.96M (deposit + AVD stamp duty HK$1,407,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,601
−HK$5,682/mo
▼ 0.25% · 3.875%
HK$93,420
−HK$2,863/mo
Today · 4.125%
HK$96,283
baseline
▲ 0.50% · 4.625%
HK$102,141
+HK$5,858/mo
Deposit HK$13.24M · loan HK$19.87M · min. income ≈ HK$192,566/mo (50% DSR)
Upfront cash ≈ HK$14.65M (deposit + AVD stamp duty HK$1,407,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,793
−HK$5,446/mo
▼ 0.25% · 3.875%
HK$103,496
−HK$2,743/mo
Today · 4.125%
HK$106,239
baseline
▲ 0.50% · 4.625%
HK$111,839
+HK$5,600/mo
Deposit HK$13.24M · loan HK$19.87M · min. income ≈ HK$212,478/mo (50% DSR)
Upfront cash ≈ HK$14.65M (deposit + AVD stamp duty HK$1,407,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,702
−HK$6,628/mo
▼ 0.25% · 3.875%
HK$108,989
−HK$3,341/mo
Today · 4.125%
HK$112,330
baseline
▲ 0.50% · 4.625%
HK$119,165
+HK$6,835/mo
Deposit HK$9.93M · loan HK$23.18M · min. income ≈ HK$224,660/mo (50% DSR)
Upfront cash ≈ HK$11.34M (deposit + AVD stamp duty HK$1,407,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,592
−HK$6,353/mo
▼ 0.25% · 3.875%
HK$120,746
−HK$3,199/mo
Today · 4.125%
HK$123,945
baseline
▲ 0.50% · 4.625%
HK$130,478
+HK$6,533/mo
Deposit HK$9.93M · loan HK$23.18M · min. income ≈ HK$247,890/mo (50% DSR)
Upfront cash ≈ HK$11.34M (deposit + AVD stamp duty HK$1,407,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,902
−HK$8,522/mo
▼ 0.25% · 3.875%
HK$140,129
−HK$4,295/mo
Today · 4.125%
HK$144,424
baseline
▲ 0.50% · 4.625%
HK$153,212
+HK$8,788/mo
Deposit HK$3.31M · loan HK$29.80M · min. income ≈ HK$288,848/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$1,407,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,190
−HK$8,168/mo
▼ 0.25% · 3.875%
HK$155,244
−HK$4,114/mo
Today · 4.125%
HK$159,358
baseline
▲ 0.50% · 4.625%
HK$167,758
+HK$8,400/mo
Deposit HK$3.31M · loan HK$29.80M · min. income ≈ HK$318,716/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$1,407,209 · Scale 2, in force from 26 Feb 2026)