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$75,551
−HK$4,737/mo
▼ 0.25% · 3.875%
HK$77,901
−HK$2,387/mo
Today · 4.125%
HK$80,288
baseline
▲ 0.50% · 4.625%
HK$85,174
+HK$4,886/mo
Deposit HK$16.57M · loan HK$16.57M · min. income ≈ HK$160,576/mo (50% DSR)
Upfront cash ≈ HK$17.97M (deposit + AVD stamp duty HK$1,408,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,049
−HK$4,541/mo
▼ 0.25% · 3.875%
HK$86,304
−HK$2,286/mo
Today · 4.125%
HK$88,590
baseline
▲ 0.50% · 4.625%
HK$93,260
+HK$4,670/mo
Deposit HK$16.57M · loan HK$16.57M · min. income ≈ HK$177,180/mo (50% DSR)
Upfront cash ≈ HK$17.97M (deposit + AVD stamp duty HK$1,408,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,661
−HK$5,685/mo
▼ 0.25% · 3.875%
HK$93,481
−HK$2,865/mo
Today · 4.125%
HK$96,346
baseline
▲ 0.50% · 4.625%
HK$102,209
+HK$5,863/mo
Deposit HK$13.25M · loan HK$19.88M · min. income ≈ HK$192,692/mo (50% DSR)
Upfront cash ≈ HK$14.66M (deposit + AVD stamp duty HK$1,408,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,859
−HK$5,449/mo
▼ 0.25% · 3.875%
HK$103,564
−HK$2,744/mo
Today · 4.125%
HK$106,308
baseline
▲ 0.50% · 4.625%
HK$111,912
+HK$5,604/mo
Deposit HK$13.25M · loan HK$19.88M · min. income ≈ HK$212,616/mo (50% DSR)
Upfront cash ≈ HK$14.66M (deposit + AVD stamp duty HK$1,408,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,771
−HK$6,633/mo
▼ 0.25% · 3.875%
HK$109,061
−HK$3,343/mo
Today · 4.125%
HK$112,404
baseline
▲ 0.50% · 4.625%
HK$119,243
+HK$6,839/mo
Deposit HK$9.94M · loan HK$23.19M · min. income ≈ HK$224,808/mo (50% DSR)
Upfront cash ≈ HK$11.35M (deposit + AVD stamp duty HK$1,408,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,669
−HK$6,357/mo
▼ 0.25% · 3.875%
HK$120,825
−HK$3,201/mo
Today · 4.125%
HK$124,026
baseline
▲ 0.50% · 4.625%
HK$130,564
+HK$6,538/mo
Deposit HK$9.94M · loan HK$23.19M · min. income ≈ HK$248,052/mo (50% DSR)
Upfront cash ≈ HK$11.35M (deposit + AVD stamp duty HK$1,408,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,991
−HK$8,528/mo
▼ 0.25% · 3.875%
HK$140,221
−HK$4,298/mo
Today · 4.125%
HK$144,519
baseline
▲ 0.50% · 4.625%
HK$153,313
+HK$8,794/mo
Deposit HK$3.31M · loan HK$29.82M · min. income ≈ HK$289,038/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$1,408,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,289
−HK$8,174/mo
▼ 0.25% · 3.875%
HK$155,346
−HK$4,117/mo
Today · 4.125%
HK$159,463
baseline
▲ 0.50% · 4.625%
HK$167,868
+HK$8,405/mo
Deposit HK$3.31M · loan HK$29.82M · min. income ≈ HK$318,926/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$1,408,134 · Scale 2, in force from 26 Feb 2026)