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$75,293
−HK$4,722/mo
▼ 0.25% · 3.875%
HK$77,636
−HK$2,379/mo
Today · 4.125%
HK$80,015
baseline
▲ 0.50% · 4.625%
HK$84,884
+HK$4,869/mo
Deposit HK$16.51M · loan HK$16.51M · min. income ≈ HK$160,030/mo (50% DSR)
Upfront cash ≈ HK$17.91M (deposit + AVD stamp duty HK$1,403,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,763
−HK$4,526/mo
▼ 0.25% · 3.875%
HK$86,010
−HK$2,279/mo
Today · 4.125%
HK$88,289
baseline
▲ 0.50% · 4.625%
HK$92,943
+HK$4,654/mo
Deposit HK$16.51M · loan HK$16.51M · min. income ≈ HK$176,578/mo (50% DSR)
Upfront cash ≈ HK$17.91M (deposit + AVD stamp duty HK$1,403,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,352
−HK$5,666/mo
▼ 0.25% · 3.875%
HK$93,163
−HK$2,855/mo
Today · 4.125%
HK$96,018
baseline
▲ 0.50% · 4.625%
HK$101,861
+HK$5,843/mo
Deposit HK$13.21M · loan HK$19.81M · min. income ≈ HK$192,036/mo (50% DSR)
Upfront cash ≈ HK$14.61M (deposit + AVD stamp duty HK$1,403,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,516
−HK$5,430/mo
▼ 0.25% · 3.875%
HK$103,212
−HK$2,734/mo
Today · 4.125%
HK$105,946
baseline
▲ 0.50% · 4.625%
HK$111,531
+HK$5,585/mo
Deposit HK$13.21M · loan HK$19.81M · min. income ≈ HK$211,892/mo (50% DSR)
Upfront cash ≈ HK$14.61M (deposit + AVD stamp duty HK$1,403,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,411
−HK$6,610/mo
▼ 0.25% · 3.875%
HK$108,690
−HK$3,331/mo
Today · 4.125%
HK$112,021
baseline
▲ 0.50% · 4.625%
HK$118,837
+HK$6,816/mo
Deposit HK$9.91M · loan HK$23.11M · min. income ≈ HK$224,042/mo (50% DSR)
Upfront cash ≈ HK$11.31M (deposit + AVD stamp duty HK$1,403,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,269
−HK$6,335/mo
▼ 0.25% · 3.875%
HK$120,414
−HK$3,190/mo
Today · 4.125%
HK$123,604
baseline
▲ 0.50% · 4.625%
HK$130,120
+HK$6,516/mo
Deposit HK$9.91M · loan HK$23.11M · min. income ≈ HK$247,208/mo (50% DSR)
Upfront cash ≈ HK$11.31M (deposit + AVD stamp duty HK$1,403,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,528
−HK$8,499/mo
▼ 0.25% · 3.875%
HK$139,744
−HK$4,283/mo
Today · 4.125%
HK$144,027
baseline
▲ 0.50% · 4.625%
HK$152,791
+HK$8,764/mo
Deposit HK$3.30M · loan HK$29.72M · min. income ≈ HK$288,054/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$1,403,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,774
−HK$8,146/mo
▼ 0.25% · 3.875%
HK$154,817
−HK$4,103/mo
Today · 4.125%
HK$158,920
baseline
▲ 0.50% · 4.625%
HK$167,297
+HK$8,377/mo
Deposit HK$3.30M · loan HK$29.72M · min. income ≈ HK$317,840/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$1,403,339 · Scale 2, in force from 26 Feb 2026)