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$75,543
−HK$4,737/mo
▼ 0.25% · 3.875%
HK$77,893
−HK$2,387/mo
Today · 4.125%
HK$80,280
baseline
▲ 0.50% · 4.625%
HK$85,165
+HK$4,885/mo
Deposit HK$16.56M · loan HK$16.56M · min. income ≈ HK$160,560/mo (50% DSR)
Upfront cash ≈ HK$17.97M (deposit + AVD stamp duty HK$1,407,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,041
−HK$4,541/mo
▼ 0.25% · 3.875%
HK$86,295
−HK$2,287/mo
Today · 4.125%
HK$88,582
baseline
▲ 0.50% · 4.625%
HK$93,251
+HK$4,669/mo
Deposit HK$16.56M · loan HK$16.56M · min. income ≈ HK$177,164/mo (50% DSR)
Upfront cash ≈ HK$17.97M (deposit + AVD stamp duty HK$1,407,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,652
−HK$5,685/mo
▼ 0.25% · 3.875%
HK$93,472
−HK$2,865/mo
Today · 4.125%
HK$96,337
baseline
▲ 0.50% · 4.625%
HK$102,198
+HK$5,861/mo
Deposit HK$13.25M · loan HK$19.88M · min. income ≈ HK$192,674/mo (50% DSR)
Upfront cash ≈ HK$14.66M (deposit + AVD stamp duty HK$1,407,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,849
−HK$5,449/mo
▼ 0.25% · 3.875%
HK$103,554
−HK$2,744/mo
Today · 4.125%
HK$106,298
baseline
▲ 0.50% · 4.625%
HK$111,901
+HK$5,603/mo
Deposit HK$13.25M · loan HK$19.88M · min. income ≈ HK$212,596/mo (50% DSR)
Upfront cash ≈ HK$14.66M (deposit + AVD stamp duty HK$1,407,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,760
−HK$6,633/mo
▼ 0.25% · 3.875%
HK$109,050
−HK$3,343/mo
Today · 4.125%
HK$112,393
baseline
▲ 0.50% · 4.625%
HK$119,231
+HK$6,838/mo
Deposit HK$9.94M · loan HK$23.19M · min. income ≈ HK$224,786/mo (50% DSR)
Upfront cash ≈ HK$11.35M (deposit + AVD stamp duty HK$1,407,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,657
−HK$6,357/mo
▼ 0.25% · 3.875%
HK$120,813
−HK$3,201/mo
Today · 4.125%
HK$124,014
baseline
▲ 0.50% · 4.625%
HK$130,551
+HK$6,537/mo
Deposit HK$9.94M · loan HK$23.19M · min. income ≈ HK$248,028/mo (50% DSR)
Upfront cash ≈ HK$11.35M (deposit + AVD stamp duty HK$1,407,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,978
−HK$8,527/mo
▼ 0.25% · 3.875%
HK$140,207
−HK$4,298/mo
Today · 4.125%
HK$144,505
baseline
▲ 0.50% · 4.625%
HK$153,298
+HK$8,793/mo
Deposit HK$3.31M · loan HK$29.82M · min. income ≈ HK$289,010/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$1,407,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,274
−HK$8,173/mo
▼ 0.25% · 3.875%
HK$155,331
−HK$4,116/mo
Today · 4.125%
HK$159,447
baseline
▲ 0.50% · 4.625%
HK$167,851
+HK$8,404/mo
Deposit HK$3.31M · loan HK$29.82M · min. income ≈ HK$318,894/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$1,407,994 · Scale 2, in force from 26 Feb 2026)