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$75,519
−HK$4,736/mo
▼ 0.25% · 3.875%
HK$77,868
−HK$2,387/mo
Today · 4.125%
HK$80,255
baseline
▲ 0.50% · 4.625%
HK$85,138
+HK$4,883/mo
Deposit HK$16.56M · loan HK$16.56M · min. income ≈ HK$160,510/mo (50% DSR)
Upfront cash ≈ HK$17.97M (deposit + AVD stamp duty HK$1,407,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,014
−HK$4,539/mo
▼ 0.25% · 3.875%
HK$86,267
−HK$2,286/mo
Today · 4.125%
HK$88,553
baseline
▲ 0.50% · 4.625%
HK$93,221
+HK$4,668/mo
Deposit HK$16.56M · loan HK$16.56M · min. income ≈ HK$177,106/mo (50% DSR)
Upfront cash ≈ HK$17.97M (deposit + AVD stamp duty HK$1,407,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,623
−HK$5,683/mo
▼ 0.25% · 3.875%
HK$93,442
−HK$2,864/mo
Today · 4.125%
HK$96,306
baseline
▲ 0.50% · 4.625%
HK$102,166
+HK$5,860/mo
Deposit HK$13.25M · loan HK$19.87M · min. income ≈ HK$192,612/mo (50% DSR)
Upfront cash ≈ HK$14.66M (deposit + AVD stamp duty HK$1,407,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,817
−HK$5,447/mo
▼ 0.25% · 3.875%
HK$103,521
−HK$2,743/mo
Today · 4.125%
HK$106,264
baseline
▲ 0.50% · 4.625%
HK$111,865
+HK$5,601/mo
Deposit HK$13.25M · loan HK$19.87M · min. income ≈ HK$212,528/mo (50% DSR)
Upfront cash ≈ HK$14.66M (deposit + AVD stamp duty HK$1,407,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,727
−HK$6,630/mo
▼ 0.25% · 3.875%
HK$109,015
−HK$3,342/mo
Today · 4.125%
HK$112,357
baseline
▲ 0.50% · 4.625%
HK$119,193
+HK$6,836/mo
Deposit HK$9.94M · loan HK$23.18M · min. income ≈ HK$224,714/mo (50% DSR)
Upfront cash ≈ HK$11.34M (deposit + AVD stamp duty HK$1,407,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,620
−HK$6,354/mo
▼ 0.25% · 3.875%
HK$120,774
−HK$3,200/mo
Today · 4.125%
HK$123,974
baseline
▲ 0.50% · 4.625%
HK$130,509
+HK$6,535/mo
Deposit HK$9.94M · loan HK$23.18M · min. income ≈ HK$247,948/mo (50% DSR)
Upfront cash ≈ HK$11.34M (deposit + AVD stamp duty HK$1,407,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,934
−HK$8,524/mo
▼ 0.25% · 3.875%
HK$140,163
−HK$4,295/mo
Today · 4.125%
HK$144,458
baseline
▲ 0.50% · 4.625%
HK$153,248
+HK$8,790/mo
Deposit HK$3.31M · loan HK$29.81M · min. income ≈ HK$288,916/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$1,407,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,225
−HK$8,171/mo
▼ 0.25% · 3.875%
HK$155,281
−HK$4,115/mo
Today · 4.125%
HK$159,396
baseline
▲ 0.50% · 4.625%
HK$167,798
+HK$8,402/mo
Deposit HK$3.31M · loan HK$29.81M · min. income ≈ HK$318,792/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$1,407,543 · Scale 2, in force from 26 Feb 2026)