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$75,322
−HK$4,723/mo
▼ 0.25% · 3.875%
HK$77,665
−HK$2,380/mo
Today · 4.125%
HK$80,045
baseline
▲ 0.50% · 4.625%
HK$84,916
+HK$4,871/mo
Deposit HK$16.52M · loan HK$16.52M · min. income ≈ HK$160,090/mo (50% DSR)
Upfront cash ≈ HK$17.92M (deposit + AVD stamp duty HK$1,403,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,795
−HK$4,527/mo
▼ 0.25% · 3.875%
HK$86,042
−HK$2,280/mo
Today · 4.125%
HK$88,322
baseline
▲ 0.50% · 4.625%
HK$92,977
+HK$4,655/mo
Deposit HK$16.52M · loan HK$16.52M · min. income ≈ HK$176,644/mo (50% DSR)
Upfront cash ≈ HK$17.92M (deposit + AVD stamp duty HK$1,403,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,386
−HK$5,668/mo
▼ 0.25% · 3.875%
HK$93,198
−HK$2,856/mo
Today · 4.125%
HK$96,054
baseline
▲ 0.50% · 4.625%
HK$101,899
+HK$5,845/mo
Deposit HK$13.21M · loan HK$19.82M · min. income ≈ HK$192,108/mo (50% DSR)
Upfront cash ≈ HK$14.62M (deposit + AVD stamp duty HK$1,403,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,554
−HK$5,432/mo
▼ 0.25% · 3.875%
HK$103,250
−HK$2,736/mo
Today · 4.125%
HK$105,986
baseline
▲ 0.50% · 4.625%
HK$111,573
+HK$5,587/mo
Deposit HK$13.21M · loan HK$19.82M · min. income ≈ HK$211,972/mo (50% DSR)
Upfront cash ≈ HK$14.62M (deposit + AVD stamp duty HK$1,403,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,451
−HK$6,612/mo
▼ 0.25% · 3.875%
HK$108,731
−HK$3,332/mo
Today · 4.125%
HK$112,063
baseline
▲ 0.50% · 4.625%
HK$118,882
+HK$6,819/mo
Deposit HK$9.91M · loan HK$23.12M · min. income ≈ HK$224,126/mo (50% DSR)
Upfront cash ≈ HK$11.31M (deposit + AVD stamp duty HK$1,403,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,313
−HK$6,338/mo
▼ 0.25% · 3.875%
HK$120,459
−HK$3,192/mo
Today · 4.125%
HK$123,651
baseline
▲ 0.50% · 4.625%
HK$130,168
+HK$6,517/mo
Deposit HK$9.91M · loan HK$23.12M · min. income ≈ HK$247,302/mo (50% DSR)
Upfront cash ≈ HK$11.31M (deposit + AVD stamp duty HK$1,403,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,579
−HK$8,502/mo
▼ 0.25% · 3.875%
HK$139,797
−HK$4,284/mo
Today · 4.125%
HK$144,081
baseline
▲ 0.50% · 4.625%
HK$152,848
+HK$8,767/mo
Deposit HK$3.30M · loan HK$29.73M · min. income ≈ HK$288,162/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$1,403,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,831
−HK$8,148/mo
▼ 0.25% · 3.875%
HK$154,876
−HK$4,103/mo
Today · 4.125%
HK$158,979
baseline
▲ 0.50% · 4.625%
HK$167,359
+HK$8,380/mo
Deposit HK$3.30M · loan HK$29.73M · min. income ≈ HK$317,958/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$1,403,867 · Scale 2, in force from 26 Feb 2026)