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$75,451
−HK$4,732/mo
▼ 0.25% · 3.875%
HK$77,798
−HK$2,385/mo
Today · 4.125%
HK$80,183
baseline
▲ 0.50% · 4.625%
HK$85,062
+HK$4,879/mo
Deposit HK$16.54M · loan HK$16.54M · min. income ≈ HK$160,366/mo (50% DSR)
Upfront cash ≈ HK$17.95M (deposit + AVD stamp duty HK$1,406,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,939
−HK$4,535/mo
▼ 0.25% · 3.875%
HK$86,190
−HK$2,284/mo
Today · 4.125%
HK$88,474
baseline
▲ 0.50% · 4.625%
HK$93,137
+HK$4,663/mo
Deposit HK$16.54M · loan HK$16.54M · min. income ≈ HK$176,948/mo (50% DSR)
Upfront cash ≈ HK$17.95M (deposit + AVD stamp duty HK$1,406,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,542
−HK$5,677/mo
▼ 0.25% · 3.875%
HK$93,358
−HK$2,861/mo
Today · 4.125%
HK$96,219
baseline
▲ 0.50% · 4.625%
HK$102,074
+HK$5,855/mo
Deposit HK$13.24M · loan HK$19.85M · min. income ≈ HK$192,438/mo (50% DSR)
Upfront cash ≈ HK$14.64M (deposit + AVD stamp duty HK$1,406,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,727
−HK$5,442/mo
▼ 0.25% · 3.875%
HK$103,428
−HK$2,741/mo
Today · 4.125%
HK$106,169
baseline
▲ 0.50% · 4.625%
HK$111,765
+HK$5,596/mo
Deposit HK$13.24M · loan HK$19.85M · min. income ≈ HK$212,338/mo (50% DSR)
Upfront cash ≈ HK$14.64M (deposit + AVD stamp duty HK$1,406,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,632
−HK$6,624/mo
▼ 0.25% · 3.875%
HK$108,918
−HK$3,338/mo
Today · 4.125%
HK$112,256
baseline
▲ 0.50% · 4.625%
HK$119,086
+HK$6,830/mo
Deposit HK$9.93M · loan HK$23.16M · min. income ≈ HK$224,512/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$1,406,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,514
−HK$6,349/mo
▼ 0.25% · 3.875%
HK$120,666
−HK$3,197/mo
Today · 4.125%
HK$123,863
baseline
▲ 0.50% · 4.625%
HK$130,392
+HK$6,529/mo
Deposit HK$9.93M · loan HK$23.16M · min. income ≈ HK$247,726/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$1,406,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,812
−HK$8,517/mo
▼ 0.25% · 3.875%
HK$140,037
−HK$4,292/mo
Today · 4.125%
HK$144,329
baseline
▲ 0.50% · 4.625%
HK$153,111
+HK$8,782/mo
Deposit HK$3.31M · loan HK$29.78M · min. income ≈ HK$288,658/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$1,406,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,090
−HK$8,163/mo
▼ 0.25% · 3.875%
HK$155,142
−HK$4,111/mo
Today · 4.125%
HK$159,253
baseline
▲ 0.50% · 4.625%
HK$167,647
+HK$8,394/mo
Deposit HK$3.31M · loan HK$29.78M · min. income ≈ HK$318,506/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$1,406,282 · Scale 2, in force from 26 Feb 2026)