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$75,440
−HK$4,731/mo
▼ 0.25% · 3.875%
HK$77,786
−HK$2,385/mo
Today · 4.125%
HK$80,171
baseline
▲ 0.50% · 4.625%
HK$85,049
+HK$4,878/mo
Deposit HK$16.54M · loan HK$16.54M · min. income ≈ HK$160,342/mo (50% DSR)
Upfront cash ≈ HK$17.95M (deposit + AVD stamp duty HK$1,406,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,926
−HK$4,534/mo
▼ 0.25% · 3.875%
HK$86,177
−HK$2,283/mo
Today · 4.125%
HK$88,460
baseline
▲ 0.50% · 4.625%
HK$93,123
+HK$4,663/mo
Deposit HK$16.54M · loan HK$16.54M · min. income ≈ HK$176,920/mo (50% DSR)
Upfront cash ≈ HK$17.95M (deposit + AVD stamp duty HK$1,406,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,528
−HK$5,677/mo
▼ 0.25% · 3.875%
HK$93,344
−HK$2,861/mo
Today · 4.125%
HK$96,205
baseline
▲ 0.50% · 4.625%
HK$102,058
+HK$5,853/mo
Deposit HK$13.23M · loan HK$19.85M · min. income ≈ HK$192,410/mo (50% DSR)
Upfront cash ≈ HK$14.64M (deposit + AVD stamp duty HK$1,406,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,711
−HK$5,441/mo
▼ 0.25% · 3.875%
HK$103,412
−HK$2,740/mo
Today · 4.125%
HK$106,152
baseline
▲ 0.50% · 4.625%
HK$111,748
+HK$5,596/mo
Deposit HK$13.23M · loan HK$19.85M · min. income ≈ HK$212,304/mo (50% DSR)
Upfront cash ≈ HK$14.64M (deposit + AVD stamp duty HK$1,406,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,616
−HK$6,623/mo
▼ 0.25% · 3.875%
HK$108,901
−HK$3,338/mo
Today · 4.125%
HK$112,239
baseline
▲ 0.50% · 4.625%
HK$119,068
+HK$6,829/mo
Deposit HK$9.93M · loan HK$23.16M · min. income ≈ HK$224,478/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$1,406,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,496
−HK$6,348/mo
▼ 0.25% · 3.875%
HK$120,648
−HK$3,196/mo
Today · 4.125%
HK$123,844
baseline
▲ 0.50% · 4.625%
HK$130,372
+HK$6,528/mo
Deposit HK$9.93M · loan HK$23.16M · min. income ≈ HK$247,688/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$1,406,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,792
−HK$8,515/mo
▼ 0.25% · 3.875%
HK$140,016
−HK$4,291/mo
Today · 4.125%
HK$144,307
baseline
▲ 0.50% · 4.625%
HK$153,088
+HK$8,781/mo
Deposit HK$3.31M · loan HK$29.78M · min. income ≈ HK$288,614/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$1,406,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,067
−HK$8,162/mo
▼ 0.25% · 3.875%
HK$155,118
−HK$4,111/mo
Today · 4.125%
HK$159,229
baseline
▲ 0.50% · 4.625%
HK$167,622
+HK$8,393/mo
Deposit HK$3.31M · loan HK$29.78M · min. income ≈ HK$318,458/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$1,406,067 · Scale 2, in force from 26 Feb 2026)