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$75,435
−HK$4,730/mo
▼ 0.25% · 3.875%
HK$77,781
−HK$2,384/mo
Today · 4.125%
HK$80,165
baseline
▲ 0.50% · 4.625%
HK$85,043
+HK$4,878/mo
Deposit HK$16.54M · loan HK$16.54M · min. income ≈ HK$160,330/mo (50% DSR)
Upfront cash ≈ HK$17.95M (deposit + AVD stamp duty HK$1,405,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,920
−HK$4,534/mo
▼ 0.25% · 3.875%
HK$86,171
−HK$2,283/mo
Today · 4.125%
HK$88,454
baseline
▲ 0.50% · 4.625%
HK$93,117
+HK$4,663/mo
Deposit HK$16.54M · loan HK$16.54M · min. income ≈ HK$176,908/mo (50% DSR)
Upfront cash ≈ HK$17.95M (deposit + AVD stamp duty HK$1,405,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,521
−HK$5,677/mo
▼ 0.25% · 3.875%
HK$93,337
−HK$2,861/mo
Today · 4.125%
HK$96,198
baseline
▲ 0.50% · 4.625%
HK$102,051
+HK$5,853/mo
Deposit HK$13.23M · loan HK$19.85M · min. income ≈ HK$192,396/mo (50% DSR)
Upfront cash ≈ HK$14.64M (deposit + AVD stamp duty HK$1,405,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,704
−HK$5,441/mo
▼ 0.25% · 3.875%
HK$103,405
−HK$2,740/mo
Today · 4.125%
HK$106,145
baseline
▲ 0.50% · 4.625%
HK$111,740
+HK$5,595/mo
Deposit HK$13.23M · loan HK$19.85M · min. income ≈ HK$212,290/mo (50% DSR)
Upfront cash ≈ HK$14.64M (deposit + AVD stamp duty HK$1,405,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,608
−HK$6,623/mo
▼ 0.25% · 3.875%
HK$108,893
−HK$3,338/mo
Today · 4.125%
HK$112,231
baseline
▲ 0.50% · 4.625%
HK$119,060
+HK$6,829/mo
Deposit HK$9.92M · loan HK$23.16M · min. income ≈ HK$224,462/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$1,405,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,488
−HK$6,348/mo
▼ 0.25% · 3.875%
HK$120,639
−HK$3,197/mo
Today · 4.125%
HK$123,836
baseline
▲ 0.50% · 4.625%
HK$130,363
+HK$6,527/mo
Deposit HK$9.92M · loan HK$23.16M · min. income ≈ HK$247,672/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$1,405,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,782
−HK$8,515/mo
▼ 0.25% · 3.875%
HK$140,006
−HK$4,291/mo
Today · 4.125%
HK$144,297
baseline
▲ 0.50% · 4.625%
HK$153,077
+HK$8,780/mo
Deposit HK$3.31M · loan HK$29.77M · min. income ≈ HK$288,594/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$1,405,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,056
−HK$8,161/mo
▼ 0.25% · 3.875%
HK$155,108
−HK$4,109/mo
Today · 4.125%
HK$159,217
baseline
▲ 0.50% · 4.625%
HK$167,610
+HK$8,393/mo
Deposit HK$3.31M · loan HK$29.77M · min. income ≈ HK$318,434/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$1,405,969 · Scale 2, in force from 26 Feb 2026)