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$75,521
−HK$4,736/mo
▼ 0.25% · 3.875%
HK$77,870
−HK$2,387/mo
Today · 4.125%
HK$80,257
baseline
▲ 0.50% · 4.625%
HK$85,140
+HK$4,883/mo
Deposit HK$16.56M · loan HK$16.56M · min. income ≈ HK$160,514/mo (50% DSR)
Upfront cash ≈ HK$17.97M (deposit + AVD stamp duty HK$1,407,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,016
−HK$4,539/mo
▼ 0.25% · 3.875%
HK$86,269
−HK$2,286/mo
Today · 4.125%
HK$88,555
baseline
▲ 0.50% · 4.625%
HK$93,223
+HK$4,668/mo
Deposit HK$16.56M · loan HK$16.56M · min. income ≈ HK$177,110/mo (50% DSR)
Upfront cash ≈ HK$17.97M (deposit + AVD stamp duty HK$1,407,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,625
−HK$5,683/mo
▼ 0.25% · 3.875%
HK$93,444
−HK$2,864/mo
Today · 4.125%
HK$96,308
baseline
▲ 0.50% · 4.625%
HK$102,168
+HK$5,860/mo
Deposit HK$13.25M · loan HK$19.87M · min. income ≈ HK$192,616/mo (50% DSR)
Upfront cash ≈ HK$14.66M (deposit + AVD stamp duty HK$1,407,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,819
−HK$5,447/mo
▼ 0.25% · 3.875%
HK$103,523
−HK$2,743/mo
Today · 4.125%
HK$106,266
baseline
▲ 0.50% · 4.625%
HK$111,868
+HK$5,602/mo
Deposit HK$13.25M · loan HK$19.87M · min. income ≈ HK$212,532/mo (50% DSR)
Upfront cash ≈ HK$14.66M (deposit + AVD stamp duty HK$1,407,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,729
−HK$6,630/mo
▼ 0.25% · 3.875%
HK$109,018
−HK$3,341/mo
Today · 4.125%
HK$112,359
baseline
▲ 0.50% · 4.625%
HK$119,196
+HK$6,837/mo
Deposit HK$9.94M · loan HK$23.18M · min. income ≈ HK$224,718/mo (50% DSR)
Upfront cash ≈ HK$11.34M (deposit + AVD stamp duty HK$1,407,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,622
−HK$6,355/mo
▼ 0.25% · 3.875%
HK$120,777
−HK$3,200/mo
Today · 4.125%
HK$123,977
baseline
▲ 0.50% · 4.625%
HK$130,512
+HK$6,535/mo
Deposit HK$9.94M · loan HK$23.18M · min. income ≈ HK$247,954/mo (50% DSR)
Upfront cash ≈ HK$11.34M (deposit + AVD stamp duty HK$1,407,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,937
−HK$8,525/mo
▼ 0.25% · 3.875%
HK$140,166
−HK$4,296/mo
Today · 4.125%
HK$144,462
baseline
▲ 0.50% · 4.625%
HK$153,252
+HK$8,790/mo
Deposit HK$3.31M · loan HK$29.81M · min. income ≈ HK$288,924/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$1,407,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,229
−HK$8,170/mo
▼ 0.25% · 3.875%
HK$155,285
−HK$4,114/mo
Today · 4.125%
HK$159,399
baseline
▲ 0.50% · 4.625%
HK$167,801
+HK$8,402/mo
Deposit HK$3.31M · loan HK$29.81M · min. income ≈ HK$318,798/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$1,407,575 · Scale 2, in force from 26 Feb 2026)