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$75,529
−HK$4,736/mo
▼ 0.25% · 3.875%
HK$77,878
−HK$2,387/mo
Today · 4.125%
HK$80,265
baseline
▲ 0.50% · 4.625%
HK$85,149
+HK$4,884/mo
Deposit HK$16.56M · loan HK$16.56M · min. income ≈ HK$160,530/mo (50% DSR)
Upfront cash ≈ HK$17.97M (deposit + AVD stamp duty HK$1,407,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,025
−HK$4,540/mo
▼ 0.25% · 3.875%
HK$86,278
−HK$2,287/mo
Today · 4.125%
HK$88,565
baseline
▲ 0.50% · 4.625%
HK$93,233
+HK$4,668/mo
Deposit HK$16.56M · loan HK$16.56M · min. income ≈ HK$177,130/mo (50% DSR)
Upfront cash ≈ HK$17.97M (deposit + AVD stamp duty HK$1,407,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,635
−HK$5,683/mo
▼ 0.25% · 3.875%
HK$93,454
−HK$2,864/mo
Today · 4.125%
HK$96,318
baseline
▲ 0.50% · 4.625%
HK$102,179
+HK$5,861/mo
Deposit HK$13.25M · loan HK$19.87M · min. income ≈ HK$192,636/mo (50% DSR)
Upfront cash ≈ HK$14.66M (deposit + AVD stamp duty HK$1,407,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,830
−HK$5,448/mo
▼ 0.25% · 3.875%
HK$103,534
−HK$2,744/mo
Today · 4.125%
HK$106,278
baseline
▲ 0.50% · 4.625%
HK$111,880
+HK$5,602/mo
Deposit HK$13.25M · loan HK$19.87M · min. income ≈ HK$212,556/mo (50% DSR)
Upfront cash ≈ HK$14.66M (deposit + AVD stamp duty HK$1,407,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,740
−HK$6,631/mo
▼ 0.25% · 3.875%
HK$109,029
−HK$3,342/mo
Today · 4.125%
HK$112,371
baseline
▲ 0.50% · 4.625%
HK$119,209
+HK$6,838/mo
Deposit HK$9.94M · loan HK$23.19M · min. income ≈ HK$224,742/mo (50% DSR)
Upfront cash ≈ HK$11.34M (deposit + AVD stamp duty HK$1,407,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,635
−HK$6,355/mo
▼ 0.25% · 3.875%
HK$120,790
−HK$3,200/mo
Today · 4.125%
HK$123,990
baseline
▲ 0.50% · 4.625%
HK$130,526
+HK$6,536/mo
Deposit HK$9.94M · loan HK$23.19M · min. income ≈ HK$247,980/mo (50% DSR)
Upfront cash ≈ HK$11.34M (deposit + AVD stamp duty HK$1,407,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,952
−HK$8,525/mo
▼ 0.25% · 3.875%
HK$140,181
−HK$4,296/mo
Today · 4.125%
HK$144,477
baseline
▲ 0.50% · 4.625%
HK$153,268
+HK$8,791/mo
Deposit HK$3.31M · loan HK$29.81M · min. income ≈ HK$288,954/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$1,407,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,245
−HK$8,171/mo
▼ 0.25% · 3.875%
HK$155,301
−HK$4,115/mo
Today · 4.125%
HK$159,416
baseline
▲ 0.50% · 4.625%
HK$167,819
+HK$8,403/mo
Deposit HK$3.31M · loan HK$29.81M · min. income ≈ HK$318,832/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$1,407,725 · Scale 2, in force from 26 Feb 2026)