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$75,350
−HK$4,725/mo
▼ 0.25% · 3.875%
HK$77,694
−HK$2,381/mo
Today · 4.125%
HK$80,075
baseline
▲ 0.50% · 4.625%
HK$84,947
+HK$4,872/mo
Deposit HK$16.52M · loan HK$16.52M · min. income ≈ HK$160,150/mo (50% DSR)
Upfront cash ≈ HK$17.93M (deposit + AVD stamp duty HK$1,404,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,826
−HK$4,529/mo
▼ 0.25% · 3.875%
HK$86,074
−HK$2,281/mo
Today · 4.125%
HK$88,355
baseline
▲ 0.50% · 4.625%
HK$93,012
+HK$4,657/mo
Deposit HK$16.52M · loan HK$16.52M · min. income ≈ HK$176,710/mo (50% DSR)
Upfront cash ≈ HK$17.93M (deposit + AVD stamp duty HK$1,404,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,420
−HK$5,670/mo
▼ 0.25% · 3.875%
HK$93,232
−HK$2,858/mo
Today · 4.125%
HK$96,090
baseline
▲ 0.50% · 4.625%
HK$101,937
+HK$5,847/mo
Deposit HK$13.22M · loan HK$19.83M · min. income ≈ HK$192,180/mo (50% DSR)
Upfront cash ≈ HK$14.62M (deposit + AVD stamp duty HK$1,404,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,591
−HK$5,435/mo
▼ 0.25% · 3.875%
HK$103,289
−HK$2,737/mo
Today · 4.125%
HK$106,026
baseline
▲ 0.50% · 4.625%
HK$111,615
+HK$5,589/mo
Deposit HK$13.22M · loan HK$19.83M · min. income ≈ HK$212,052/mo (50% DSR)
Upfront cash ≈ HK$14.62M (deposit + AVD stamp duty HK$1,404,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,490
−HK$6,615/mo
▼ 0.25% · 3.875%
HK$108,771
−HK$3,334/mo
Today · 4.125%
HK$112,105
baseline
▲ 0.50% · 4.625%
HK$118,926
+HK$6,821/mo
Deposit HK$9.91M · loan HK$23.13M · min. income ≈ HK$224,210/mo (50% DSR)
Upfront cash ≈ HK$11.32M (deposit + AVD stamp duty HK$1,404,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,356
−HK$6,341/mo
▼ 0.25% · 3.875%
HK$120,504
−HK$3,193/mo
Today · 4.125%
HK$123,697
baseline
▲ 0.50% · 4.625%
HK$130,217
+HK$6,520/mo
Deposit HK$9.91M · loan HK$23.13M · min. income ≈ HK$247,394/mo (50% DSR)
Upfront cash ≈ HK$11.32M (deposit + AVD stamp duty HK$1,404,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,630
−HK$8,505/mo
▼ 0.25% · 3.875%
HK$139,849
−HK$4,286/mo
Today · 4.125%
HK$144,135
baseline
▲ 0.50% · 4.625%
HK$152,905
+HK$8,770/mo
Deposit HK$3.30M · loan HK$29.74M · min. income ≈ HK$288,270/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$1,404,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,887
−HK$8,152/mo
▼ 0.25% · 3.875%
HK$154,933
−HK$4,106/mo
Today · 4.125%
HK$159,039
baseline
▲ 0.50% · 4.625%
HK$167,422
+HK$8,383/mo
Deposit HK$3.30M · loan HK$29.74M · min. income ≈ HK$318,078/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$1,404,390 · Scale 2, in force from 26 Feb 2026)