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$75,436
−HK$4,731/mo
▼ 0.25% · 3.875%
HK$77,783
−HK$2,384/mo
Today · 4.125%
HK$80,167
baseline
▲ 0.50% · 4.625%
HK$85,045
+HK$4,878/mo
Deposit HK$16.54M · loan HK$16.54M · min. income ≈ HK$160,334/mo (50% DSR)
Upfront cash ≈ HK$17.95M (deposit + AVD stamp duty HK$1,406,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,922
−HK$4,534/mo
▼ 0.25% · 3.875%
HK$86,173
−HK$2,283/mo
Today · 4.125%
HK$88,456
baseline
▲ 0.50% · 4.625%
HK$93,119
+HK$4,663/mo
Deposit HK$16.54M · loan HK$16.54M · min. income ≈ HK$176,912/mo (50% DSR)
Upfront cash ≈ HK$17.95M (deposit + AVD stamp duty HK$1,406,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,524
−HK$5,676/mo
▼ 0.25% · 3.875%
HK$93,339
−HK$2,861/mo
Today · 4.125%
HK$96,200
baseline
▲ 0.50% · 4.625%
HK$102,054
+HK$5,854/mo
Deposit HK$13.23M · loan HK$19.85M · min. income ≈ HK$192,400/mo (50% DSR)
Upfront cash ≈ HK$14.64M (deposit + AVD stamp duty HK$1,406,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,707
−HK$5,440/mo
▼ 0.25% · 3.875%
HK$103,407
−HK$2,740/mo
Today · 4.125%
HK$106,147
baseline
▲ 0.50% · 4.625%
HK$111,743
+HK$5,596/mo
Deposit HK$13.23M · loan HK$19.85M · min. income ≈ HK$212,294/mo (50% DSR)
Upfront cash ≈ HK$14.64M (deposit + AVD stamp duty HK$1,406,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,611
−HK$6,623/mo
▼ 0.25% · 3.875%
HK$108,896
−HK$3,338/mo
Today · 4.125%
HK$112,234
baseline
▲ 0.50% · 4.625%
HK$119,063
+HK$6,829/mo
Deposit HK$9.92M · loan HK$23.16M · min. income ≈ HK$224,468/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$1,406,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,491
−HK$6,348/mo
▼ 0.25% · 3.875%
HK$120,642
−HK$3,197/mo
Today · 4.125%
HK$123,839
baseline
▲ 0.50% · 4.625%
HK$130,366
+HK$6,527/mo
Deposit HK$9.92M · loan HK$23.16M · min. income ≈ HK$247,678/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$1,406,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,785
−HK$8,515/mo
▼ 0.25% · 3.875%
HK$140,009
−HK$4,291/mo
Today · 4.125%
HK$144,300
baseline
▲ 0.50% · 4.625%
HK$153,081
+HK$8,781/mo
Deposit HK$3.31M · loan HK$29.77M · min. income ≈ HK$288,600/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$1,406,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,060
−HK$8,161/mo
▼ 0.25% · 3.875%
HK$155,111
−HK$4,110/mo
Today · 4.125%
HK$159,221
baseline
▲ 0.50% · 4.625%
HK$167,614
+HK$8,393/mo
Deposit HK$3.31M · loan HK$29.77M · min. income ≈ HK$318,442/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$1,406,002 · Scale 2, in force from 26 Feb 2026)