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$75,581
−HK$4,740/mo
▼ 0.25% · 3.875%
HK$77,932
−HK$2,389/mo
Today · 4.125%
HK$80,321
baseline
▲ 0.50% · 4.625%
HK$85,208
+HK$4,887/mo
Deposit HK$16.57M · loan HK$16.57M · min. income ≈ HK$160,642/mo (50% DSR)
Upfront cash ≈ HK$17.98M (deposit + AVD stamp duty HK$1,408,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,083
−HK$4,543/mo
▼ 0.25% · 3.875%
HK$86,339
−HK$2,287/mo
Today · 4.125%
HK$88,626
baseline
▲ 0.50% · 4.625%
HK$93,298
+HK$4,672/mo
Deposit HK$16.57M · loan HK$16.57M · min. income ≈ HK$177,252/mo (50% DSR)
Upfront cash ≈ HK$17.98M (deposit + AVD stamp duty HK$1,408,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,698
−HK$5,687/mo
▼ 0.25% · 3.875%
HK$93,519
−HK$2,866/mo
Today · 4.125%
HK$96,385
baseline
▲ 0.50% · 4.625%
HK$102,250
+HK$5,865/mo
Deposit HK$13.26M · loan HK$19.89M · min. income ≈ HK$192,770/mo (50% DSR)
Upfront cash ≈ HK$14.67M (deposit + AVD stamp duty HK$1,408,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,900
−HK$5,452/mo
▼ 0.25% · 3.875%
HK$103,606
−HK$2,746/mo
Today · 4.125%
HK$106,352
baseline
▲ 0.50% · 4.625%
HK$111,957
+HK$5,605/mo
Deposit HK$13.26M · loan HK$19.89M · min. income ≈ HK$212,704/mo (50% DSR)
Upfront cash ≈ HK$14.67M (deposit + AVD stamp duty HK$1,408,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,814
−HK$6,635/mo
▼ 0.25% · 3.875%
HK$109,105
−HK$3,344/mo
Today · 4.125%
HK$112,449
baseline
▲ 0.50% · 4.625%
HK$119,292
+HK$6,843/mo
Deposit HK$9.94M · loan HK$23.20M · min. income ≈ HK$224,898/mo (50% DSR)
Upfront cash ≈ HK$11.35M (deposit + AVD stamp duty HK$1,408,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,717
−HK$6,360/mo
▼ 0.25% · 3.875%
HK$120,874
−HK$3,203/mo
Today · 4.125%
HK$124,077
baseline
▲ 0.50% · 4.625%
HK$130,617
+HK$6,540/mo
Deposit HK$9.94M · loan HK$23.20M · min. income ≈ HK$248,154/mo (50% DSR)
Upfront cash ≈ HK$11.35M (deposit + AVD stamp duty HK$1,408,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,046
−HK$8,532/mo
▼ 0.25% · 3.875%
HK$140,278
−HK$4,300/mo
Today · 4.125%
HK$144,578
baseline
▲ 0.50% · 4.625%
HK$153,375
+HK$8,797/mo
Deposit HK$3.31M · loan HK$29.83M · min. income ≈ HK$289,156/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$1,408,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,350
−HK$8,177/mo
▼ 0.25% · 3.875%
HK$155,409
−HK$4,118/mo
Today · 4.125%
HK$159,527
baseline
▲ 0.50% · 4.625%
HK$167,936
+HK$8,409/mo
Deposit HK$3.31M · loan HK$29.83M · min. income ≈ HK$319,054/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$1,408,705 · Scale 2, in force from 26 Feb 2026)