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$75,284
−HK$4,721/mo
▼ 0.25% · 3.875%
HK$77,626
−HK$2,379/mo
Today · 4.125%
HK$80,005
baseline
▲ 0.50% · 4.625%
HK$84,873
+HK$4,868/mo
Deposit HK$16.51M · loan HK$16.51M · min. income ≈ HK$160,010/mo (50% DSR)
Upfront cash ≈ HK$17.91M (deposit + AVD stamp duty HK$1,403,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,753
−HK$4,525/mo
▼ 0.25% · 3.875%
HK$85,999
−HK$2,279/mo
Today · 4.125%
HK$88,278
baseline
▲ 0.50% · 4.625%
HK$92,931
+HK$4,653/mo
Deposit HK$16.51M · loan HK$16.51M · min. income ≈ HK$176,556/mo (50% DSR)
Upfront cash ≈ HK$17.91M (deposit + AVD stamp duty HK$1,403,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,341
−HK$5,665/mo
▼ 0.25% · 3.875%
HK$93,151
−HK$2,855/mo
Today · 4.125%
HK$96,006
baseline
▲ 0.50% · 4.625%
HK$101,848
+HK$5,842/mo
Deposit HK$13.21M · loan HK$19.81M · min. income ≈ HK$192,012/mo (50% DSR)
Upfront cash ≈ HK$14.61M (deposit + AVD stamp duty HK$1,403,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,503
−HK$5,430/mo
▼ 0.25% · 3.875%
HK$103,199
−HK$2,734/mo
Today · 4.125%
HK$105,933
baseline
▲ 0.50% · 4.625%
HK$111,517
+HK$5,584/mo
Deposit HK$13.21M · loan HK$19.81M · min. income ≈ HK$211,866/mo (50% DSR)
Upfront cash ≈ HK$14.61M (deposit + AVD stamp duty HK$1,403,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,398
−HK$6,609/mo
▼ 0.25% · 3.875%
HK$108,676
−HK$3,331/mo
Today · 4.125%
HK$112,007
baseline
▲ 0.50% · 4.625%
HK$118,822
+HK$6,815/mo
Deposit HK$9.90M · loan HK$23.11M · min. income ≈ HK$224,014/mo (50% DSR)
Upfront cash ≈ HK$11.31M (deposit + AVD stamp duty HK$1,403,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,254
−HK$6,335/mo
▼ 0.25% · 3.875%
HK$120,398
−HK$3,191/mo
Today · 4.125%
HK$123,589
baseline
▲ 0.50% · 4.625%
HK$130,103
+HK$6,514/mo
Deposit HK$9.90M · loan HK$23.11M · min. income ≈ HK$247,178/mo (50% DSR)
Upfront cash ≈ HK$11.31M (deposit + AVD stamp duty HK$1,403,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,511
−HK$8,498/mo
▼ 0.25% · 3.875%
HK$139,726
−HK$4,283/mo
Today · 4.125%
HK$144,009
baseline
▲ 0.50% · 4.625%
HK$152,772
+HK$8,763/mo
Deposit HK$3.30M · loan HK$29.71M · min. income ≈ HK$288,018/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$1,403,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,755
−HK$8,145/mo
▼ 0.25% · 3.875%
HK$154,798
−HK$4,102/mo
Today · 4.125%
HK$158,900
baseline
▲ 0.50% · 4.625%
HK$167,276
+HK$8,376/mo
Deposit HK$3.30M · loan HK$29.71M · min. income ≈ HK$317,800/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$1,403,163 · Scale 2, in force from 26 Feb 2026)