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$75,601
−HK$4,740/mo
▼ 0.25% · 3.875%
HK$77,952
−HK$2,389/mo
Today · 4.125%
HK$80,341
baseline
▲ 0.50% · 4.625%
HK$85,230
+HK$4,889/mo
Deposit HK$16.58M · loan HK$16.58M · min. income ≈ HK$160,682/mo (50% DSR)
Upfront cash ≈ HK$17.99M (deposit + AVD stamp duty HK$1,409,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,105
−HK$4,544/mo
▼ 0.25% · 3.875%
HK$86,361
−HK$2,288/mo
Today · 4.125%
HK$88,649
baseline
▲ 0.50% · 4.625%
HK$93,322
+HK$4,673/mo
Deposit HK$16.58M · loan HK$16.58M · min. income ≈ HK$177,298/mo (50% DSR)
Upfront cash ≈ HK$17.99M (deposit + AVD stamp duty HK$1,409,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,721
−HK$5,689/mo
▼ 0.25% · 3.875%
HK$93,543
−HK$2,867/mo
Today · 4.125%
HK$96,410
baseline
▲ 0.50% · 4.625%
HK$102,276
+HK$5,866/mo
Deposit HK$13.26M · loan HK$19.89M · min. income ≈ HK$192,820/mo (50% DSR)
Upfront cash ≈ HK$14.67M (deposit + AVD stamp duty HK$1,409,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,926
−HK$5,453/mo
▼ 0.25% · 3.875%
HK$103,633
−HK$2,746/mo
Today · 4.125%
HK$106,379
baseline
▲ 0.50% · 4.625%
HK$111,986
+HK$5,607/mo
Deposit HK$13.26M · loan HK$19.89M · min. income ≈ HK$212,758/mo (50% DSR)
Upfront cash ≈ HK$14.67M (deposit + AVD stamp duty HK$1,409,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,841
−HK$6,637/mo
▼ 0.25% · 3.875%
HK$109,133
−HK$3,345/mo
Today · 4.125%
HK$112,478
baseline
▲ 0.50% · 4.625%
HK$119,322
+HK$6,844/mo
Deposit HK$9.95M · loan HK$23.21M · min. income ≈ HK$224,956/mo (50% DSR)
Upfront cash ≈ HK$11.36M (deposit + AVD stamp duty HK$1,409,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,747
−HK$6,361/mo
▼ 0.25% · 3.875%
HK$120,905
−HK$3,203/mo
Today · 4.125%
HK$124,108
baseline
▲ 0.50% · 4.625%
HK$130,650
+HK$6,542/mo
Deposit HK$9.95M · loan HK$23.21M · min. income ≈ HK$248,216/mo (50% DSR)
Upfront cash ≈ HK$11.36M (deposit + AVD stamp duty HK$1,409,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,081
−HK$8,534/mo
▼ 0.25% · 3.875%
HK$140,314
−HK$4,301/mo
Today · 4.125%
HK$144,615
baseline
▲ 0.50% · 4.625%
HK$153,414
+HK$8,799/mo
Deposit HK$3.32M · loan HK$29.84M · min. income ≈ HK$289,230/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$1,409,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,389
−HK$8,179/mo
▼ 0.25% · 3.875%
HK$155,449
−HK$4,119/mo
Today · 4.125%
HK$159,568
baseline
▲ 0.50% · 4.625%
HK$167,979
+HK$8,411/mo
Deposit HK$3.32M · loan HK$29.84M · min. income ≈ HK$319,136/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$1,409,063 · Scale 2, in force from 26 Feb 2026)