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$75,392
−HK$4,728/mo
▼ 0.25% · 3.875%
HK$77,737
−HK$2,383/mo
Today · 4.125%
HK$80,120
baseline
▲ 0.50% · 4.625%
HK$84,995
+HK$4,875/mo
Deposit HK$16.53M · loan HK$16.53M · min. income ≈ HK$160,240/mo (50% DSR)
Upfront cash ≈ HK$17.94M (deposit + AVD stamp duty HK$1,405,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,873
−HK$4,531/mo
▼ 0.25% · 3.875%
HK$86,122
−HK$2,282/mo
Today · 4.125%
HK$88,404
baseline
▲ 0.50% · 4.625%
HK$93,064
+HK$4,660/mo
Deposit HK$16.53M · loan HK$16.53M · min. income ≈ HK$176,808/mo (50% DSR)
Upfront cash ≈ HK$17.94M (deposit + AVD stamp duty HK$1,405,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,470
−HK$5,674/mo
▼ 0.25% · 3.875%
HK$93,284
−HK$2,860/mo
Today · 4.125%
HK$96,144
baseline
▲ 0.50% · 4.625%
HK$101,994
+HK$5,850/mo
Deposit HK$13.23M · loan HK$19.84M · min. income ≈ HK$192,288/mo (50% DSR)
Upfront cash ≈ HK$14.63M (deposit + AVD stamp duty HK$1,405,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,647
−HK$5,438/mo
▼ 0.25% · 3.875%
HK$103,347
−HK$2,738/mo
Today · 4.125%
HK$106,085
baseline
▲ 0.50% · 4.625%
HK$111,677
+HK$5,592/mo
Deposit HK$13.23M · loan HK$19.84M · min. income ≈ HK$212,170/mo (50% DSR)
Upfront cash ≈ HK$14.63M (deposit + AVD stamp duty HK$1,405,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,549
−HK$6,618/mo
▼ 0.25% · 3.875%
HK$108,832
−HK$3,335/mo
Today · 4.125%
HK$112,167
baseline
▲ 0.50% · 4.625%
HK$118,993
+HK$6,826/mo
Deposit HK$9.92M · loan HK$23.14M · min. income ≈ HK$224,334/mo (50% DSR)
Upfront cash ≈ HK$11.32M (deposit + AVD stamp duty HK$1,405,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,422
−HK$6,344/mo
▼ 0.25% · 3.875%
HK$120,571
−HK$3,195/mo
Today · 4.125%
HK$123,766
baseline
▲ 0.50% · 4.625%
HK$130,290
+HK$6,524/mo
Deposit HK$9.92M · loan HK$23.14M · min. income ≈ HK$247,532/mo (50% DSR)
Upfront cash ≈ HK$11.32M (deposit + AVD stamp duty HK$1,405,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,705
−HK$8,510/mo
▼ 0.25% · 3.875%
HK$139,927
−HK$4,288/mo
Today · 4.125%
HK$144,215
baseline
▲ 0.50% · 4.625%
HK$152,990
+HK$8,775/mo
Deposit HK$3.31M · loan HK$29.76M · min. income ≈ HK$288,430/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$1,405,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,971
−HK$8,156/mo
▼ 0.25% · 3.875%
HK$155,020
−HK$4,107/mo
Today · 4.125%
HK$159,127
baseline
▲ 0.50% · 4.625%
HK$167,515
+HK$8,388/mo
Deposit HK$3.31M · loan HK$29.76M · min. income ≈ HK$318,254/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$1,405,173 · Scale 2, in force from 26 Feb 2026)