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$75,545
−HK$4,738/mo
▼ 0.25% · 3.875%
HK$77,895
−HK$2,388/mo
Today · 4.125%
HK$80,283
baseline
▲ 0.50% · 4.625%
HK$85,168
+HK$4,885/mo
Deposit HK$16.57M · loan HK$16.57M · min. income ≈ HK$160,566/mo (50% DSR)
Upfront cash ≈ HK$17.97M (deposit + AVD stamp duty HK$1,408,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,043
−HK$4,541/mo
▼ 0.25% · 3.875%
HK$86,297
−HK$2,287/mo
Today · 4.125%
HK$88,584
baseline
▲ 0.50% · 4.625%
HK$93,253
+HK$4,669/mo
Deposit HK$16.57M · loan HK$16.57M · min. income ≈ HK$177,168/mo (50% DSR)
Upfront cash ≈ HK$17.97M (deposit + AVD stamp duty HK$1,408,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,654
−HK$5,685/mo
▼ 0.25% · 3.875%
HK$93,474
−HK$2,865/mo
Today · 4.125%
HK$96,339
baseline
▲ 0.50% · 4.625%
HK$102,201
+HK$5,862/mo
Deposit HK$13.25M · loan HK$19.88M · min. income ≈ HK$192,678/mo (50% DSR)
Upfront cash ≈ HK$14.66M (deposit + AVD stamp duty HK$1,408,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,852
−HK$5,449/mo
▼ 0.25% · 3.875%
HK$103,557
−HK$2,744/mo
Today · 4.125%
HK$106,301
baseline
▲ 0.50% · 4.625%
HK$111,904
+HK$5,603/mo
Deposit HK$13.25M · loan HK$19.88M · min. income ≈ HK$212,602/mo (50% DSR)
Upfront cash ≈ HK$14.66M (deposit + AVD stamp duty HK$1,408,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,763
−HK$6,633/mo
▼ 0.25% · 3.875%
HK$109,053
−HK$3,343/mo
Today · 4.125%
HK$112,396
baseline
▲ 0.50% · 4.625%
HK$119,235
+HK$6,839/mo
Deposit HK$9.94M · loan HK$23.19M · min. income ≈ HK$224,792/mo (50% DSR)
Upfront cash ≈ HK$11.35M (deposit + AVD stamp duty HK$1,408,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,661
−HK$6,356/mo
▼ 0.25% · 3.875%
HK$120,816
−HK$3,201/mo
Today · 4.125%
HK$124,017
baseline
▲ 0.50% · 4.625%
HK$130,555
+HK$6,538/mo
Deposit HK$9.94M · loan HK$23.19M · min. income ≈ HK$248,034/mo (50% DSR)
Upfront cash ≈ HK$11.35M (deposit + AVD stamp duty HK$1,408,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,981
−HK$8,528/mo
▼ 0.25% · 3.875%
HK$140,211
−HK$4,298/mo
Today · 4.125%
HK$144,509
baseline
▲ 0.50% · 4.625%
HK$153,302
+HK$8,793/mo
Deposit HK$3.31M · loan HK$29.82M · min. income ≈ HK$289,018/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$1,408,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,278
−HK$8,173/mo
▼ 0.25% · 3.875%
HK$155,335
−HK$4,116/mo
Today · 4.125%
HK$159,451
baseline
▲ 0.50% · 4.625%
HK$167,856
+HK$8,405/mo
Deposit HK$3.31M · loan HK$29.82M · min. income ≈ HK$318,902/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$1,408,032 · Scale 2, in force from 26 Feb 2026)