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$75,525
−HK$4,736/mo
▼ 0.25% · 3.875%
HK$77,874
−HK$2,387/mo
Today · 4.125%
HK$80,261
baseline
▲ 0.50% · 4.625%
HK$85,144
+HK$4,883/mo
Deposit HK$16.56M · loan HK$16.56M · min. income ≈ HK$160,522/mo (50% DSR)
Upfront cash ≈ HK$17.97M (deposit + AVD stamp duty HK$1,407,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,021
−HK$4,539/mo
▼ 0.25% · 3.875%
HK$86,274
−HK$2,286/mo
Today · 4.125%
HK$88,560
baseline
▲ 0.50% · 4.625%
HK$93,228
+HK$4,668/mo
Deposit HK$16.56M · loan HK$16.56M · min. income ≈ HK$177,120/mo (50% DSR)
Upfront cash ≈ HK$17.97M (deposit + AVD stamp duty HK$1,407,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,630
−HK$5,683/mo
▼ 0.25% · 3.875%
HK$93,449
−HK$2,864/mo
Today · 4.125%
HK$96,313
baseline
▲ 0.50% · 4.625%
HK$102,173
+HK$5,860/mo
Deposit HK$13.25M · loan HK$19.87M · min. income ≈ HK$192,626/mo (50% DSR)
Upfront cash ≈ HK$14.66M (deposit + AVD stamp duty HK$1,407,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,825
−HK$5,447/mo
▼ 0.25% · 3.875%
HK$103,529
−HK$2,743/mo
Today · 4.125%
HK$106,272
baseline
▲ 0.50% · 4.625%
HK$111,874
+HK$5,602/mo
Deposit HK$13.25M · loan HK$19.87M · min. income ≈ HK$212,544/mo (50% DSR)
Upfront cash ≈ HK$14.66M (deposit + AVD stamp duty HK$1,407,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,735
−HK$6,630/mo
▼ 0.25% · 3.875%
HK$109,024
−HK$3,341/mo
Today · 4.125%
HK$112,365
baseline
▲ 0.50% · 4.625%
HK$119,202
+HK$6,837/mo
Deposit HK$9.94M · loan HK$23.18M · min. income ≈ HK$224,730/mo (50% DSR)
Upfront cash ≈ HK$11.34M (deposit + AVD stamp duty HK$1,407,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,629
−HK$6,355/mo
▼ 0.25% · 3.875%
HK$120,783
−HK$3,201/mo
Today · 4.125%
HK$123,984
baseline
▲ 0.50% · 4.625%
HK$130,519
+HK$6,535/mo
Deposit HK$9.94M · loan HK$23.18M · min. income ≈ HK$247,968/mo (50% DSR)
Upfront cash ≈ HK$11.34M (deposit + AVD stamp duty HK$1,407,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,945
−HK$8,524/mo
▼ 0.25% · 3.875%
HK$140,173
−HK$4,296/mo
Today · 4.125%
HK$144,469
baseline
▲ 0.50% · 4.625%
HK$153,260
+HK$8,791/mo
Deposit HK$3.31M · loan HK$29.81M · min. income ≈ HK$288,938/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$1,407,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,237
−HK$8,171/mo
▼ 0.25% · 3.875%
HK$155,293
−HK$4,115/mo
Today · 4.125%
HK$159,408
baseline
▲ 0.50% · 4.625%
HK$167,810
+HK$8,402/mo
Deposit HK$3.31M · loan HK$29.81M · min. income ≈ HK$318,816/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$1,407,650 · Scale 2, in force from 26 Feb 2026)