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$75,314
−HK$4,722/mo
▼ 0.25% · 3.875%
HK$77,656
−HK$2,380/mo
Today · 4.125%
HK$80,036
baseline
▲ 0.50% · 4.625%
HK$84,907
+HK$4,871/mo
Deposit HK$16.51M · loan HK$16.51M · min. income ≈ HK$160,072/mo (50% DSR)
Upfront cash ≈ HK$17.92M (deposit + AVD stamp duty HK$1,403,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,786
−HK$4,526/mo
▼ 0.25% · 3.875%
HK$86,033
−HK$2,279/mo
Today · 4.125%
HK$88,312
baseline
▲ 0.50% · 4.625%
HK$92,967
+HK$4,655/mo
Deposit HK$16.51M · loan HK$16.51M · min. income ≈ HK$176,624/mo (50% DSR)
Upfront cash ≈ HK$17.92M (deposit + AVD stamp duty HK$1,403,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,376
−HK$5,668/mo
▼ 0.25% · 3.875%
HK$93,188
−HK$2,856/mo
Today · 4.125%
HK$96,044
baseline
▲ 0.50% · 4.625%
HK$101,888
+HK$5,844/mo
Deposit HK$13.21M · loan HK$19.82M · min. income ≈ HK$192,088/mo (50% DSR)
Upfront cash ≈ HK$14.62M (deposit + AVD stamp duty HK$1,403,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,543
−HK$5,432/mo
▼ 0.25% · 3.875%
HK$103,239
−HK$2,736/mo
Today · 4.125%
HK$105,975
baseline
▲ 0.50% · 4.625%
HK$111,561
+HK$5,586/mo
Deposit HK$13.21M · loan HK$19.82M · min. income ≈ HK$211,950/mo (50% DSR)
Upfront cash ≈ HK$14.62M (deposit + AVD stamp duty HK$1,403,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,439
−HK$6,612/mo
▼ 0.25% · 3.875%
HK$108,719
−HK$3,332/mo
Today · 4.125%
HK$112,051
baseline
▲ 0.50% · 4.625%
HK$118,869
+HK$6,818/mo
Deposit HK$9.91M · loan HK$23.12M · min. income ≈ HK$224,102/mo (50% DSR)
Upfront cash ≈ HK$11.31M (deposit + AVD stamp duty HK$1,403,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,300
−HK$6,337/mo
▼ 0.25% · 3.875%
HK$120,446
−HK$3,191/mo
Today · 4.125%
HK$123,637
baseline
▲ 0.50% · 4.625%
HK$130,154
+HK$6,517/mo
Deposit HK$9.91M · loan HK$23.12M · min. income ≈ HK$247,274/mo (50% DSR)
Upfront cash ≈ HK$11.31M (deposit + AVD stamp duty HK$1,403,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,565
−HK$8,501/mo
▼ 0.25% · 3.875%
HK$139,781
−HK$4,285/mo
Today · 4.125%
HK$144,066
baseline
▲ 0.50% · 4.625%
HK$152,832
+HK$8,766/mo
Deposit HK$3.30M · loan HK$29.73M · min. income ≈ HK$288,132/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$1,403,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,814
−HK$8,148/mo
▼ 0.25% · 3.875%
HK$154,859
−HK$4,103/mo
Today · 4.125%
HK$158,962
baseline
▲ 0.50% · 4.625%
HK$167,341
+HK$8,379/mo
Deposit HK$3.30M · loan HK$29.73M · min. income ≈ HK$317,924/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$1,403,716 · Scale 2, in force from 26 Feb 2026)