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$75,484
−HK$4,734/mo
▼ 0.25% · 3.875%
HK$77,832
−HK$2,386/mo
Today · 4.125%
HK$80,218
baseline
▲ 0.50% · 4.625%
HK$85,099
+HK$4,881/mo
Deposit HK$16.55M · loan HK$16.55M · min. income ≈ HK$160,436/mo (50% DSR)
Upfront cash ≈ HK$17.96M (deposit + AVD stamp duty HK$1,406,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,975
−HK$4,537/mo
▼ 0.25% · 3.875%
HK$86,228
−HK$2,284/mo
Today · 4.125%
HK$88,512
baseline
▲ 0.50% · 4.625%
HK$93,178
+HK$4,666/mo
Deposit HK$16.55M · loan HK$16.55M · min. income ≈ HK$177,024/mo (50% DSR)
Upfront cash ≈ HK$17.96M (deposit + AVD stamp duty HK$1,406,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,581
−HK$5,680/mo
▼ 0.25% · 3.875%
HK$93,399
−HK$2,862/mo
Today · 4.125%
HK$96,261
baseline
▲ 0.50% · 4.625%
HK$102,118
+HK$5,857/mo
Deposit HK$13.24M · loan HK$19.86M · min. income ≈ HK$192,522/mo (50% DSR)
Upfront cash ≈ HK$14.65M (deposit + AVD stamp duty HK$1,406,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,770
−HK$5,445/mo
▼ 0.25% · 3.875%
HK$103,473
−HK$2,742/mo
Today · 4.125%
HK$106,215
baseline
▲ 0.50% · 4.625%
HK$111,813
+HK$5,598/mo
Deposit HK$13.24M · loan HK$19.86M · min. income ≈ HK$212,430/mo (50% DSR)
Upfront cash ≈ HK$14.65M (deposit + AVD stamp duty HK$1,406,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,678
−HK$6,627/mo
▼ 0.25% · 3.875%
HK$108,965
−HK$3,340/mo
Today · 4.125%
HK$112,305
baseline
▲ 0.50% · 4.625%
HK$119,138
+HK$6,833/mo
Deposit HK$9.93M · loan HK$23.17M · min. income ≈ HK$224,610/mo (50% DSR)
Upfront cash ≈ HK$11.34M (deposit + AVD stamp duty HK$1,406,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,565
−HK$6,352/mo
▼ 0.25% · 3.875%
HK$120,719
−HK$3,198/mo
Today · 4.125%
HK$123,917
baseline
▲ 0.50% · 4.625%
HK$130,449
+HK$6,532/mo
Deposit HK$9.93M · loan HK$23.17M · min. income ≈ HK$247,834/mo (50% DSR)
Upfront cash ≈ HK$11.34M (deposit + AVD stamp duty HK$1,406,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,871
−HK$8,521/mo
▼ 0.25% · 3.875%
HK$140,098
−HK$4,294/mo
Today · 4.125%
HK$144,392
baseline
▲ 0.50% · 4.625%
HK$153,178
+HK$8,786/mo
Deposit HK$3.31M · loan HK$29.79M · min. income ≈ HK$288,784/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$1,406,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,156
−HK$8,166/mo
▼ 0.25% · 3.875%
HK$155,210
−HK$4,112/mo
Today · 4.125%
HK$159,322
baseline
▲ 0.50% · 4.625%
HK$167,720
+HK$8,398/mo
Deposit HK$3.31M · loan HK$29.79M · min. income ≈ HK$318,644/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$1,406,893 · Scale 2, in force from 26 Feb 2026)