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$75,321
−HK$4,723/mo
▼ 0.25% · 3.875%
HK$77,663
−HK$2,381/mo
Today · 4.125%
HK$80,044
baseline
▲ 0.50% · 4.625%
HK$84,914
+HK$4,870/mo
Deposit HK$16.52M · loan HK$16.52M · min. income ≈ HK$160,088/mo (50% DSR)
Upfront cash ≈ HK$17.92M (deposit + AVD stamp duty HK$1,403,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,793
−HK$4,528/mo
▼ 0.25% · 3.875%
HK$86,041
−HK$2,280/mo
Today · 4.125%
HK$88,321
baseline
▲ 0.50% · 4.625%
HK$92,976
+HK$4,655/mo
Deposit HK$16.52M · loan HK$16.52M · min. income ≈ HK$176,642/mo (50% DSR)
Upfront cash ≈ HK$17.92M (deposit + AVD stamp duty HK$1,403,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,385
−HK$5,668/mo
▼ 0.25% · 3.875%
HK$93,196
−HK$2,857/mo
Today · 4.125%
HK$96,053
baseline
▲ 0.50% · 4.625%
HK$101,897
+HK$5,844/mo
Deposit HK$13.21M · loan HK$19.82M · min. income ≈ HK$192,106/mo (50% DSR)
Upfront cash ≈ HK$14.62M (deposit + AVD stamp duty HK$1,403,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,552
−HK$5,433/mo
▼ 0.25% · 3.875%
HK$103,249
−HK$2,736/mo
Today · 4.125%
HK$105,985
baseline
▲ 0.50% · 4.625%
HK$111,571
+HK$5,586/mo
Deposit HK$13.21M · loan HK$19.82M · min. income ≈ HK$211,970/mo (50% DSR)
Upfront cash ≈ HK$14.62M (deposit + AVD stamp duty HK$1,403,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,449
−HK$6,612/mo
▼ 0.25% · 3.875%
HK$108,729
−HK$3,332/mo
Today · 4.125%
HK$112,061
baseline
▲ 0.50% · 4.625%
HK$118,880
+HK$6,819/mo
Deposit HK$9.91M · loan HK$23.12M · min. income ≈ HK$224,122/mo (50% DSR)
Upfront cash ≈ HK$11.31M (deposit + AVD stamp duty HK$1,403,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,311
−HK$6,338/mo
▼ 0.25% · 3.875%
HK$120,457
−HK$3,192/mo
Today · 4.125%
HK$123,649
baseline
▲ 0.50% · 4.625%
HK$130,166
+HK$6,517/mo
Deposit HK$9.91M · loan HK$23.12M · min. income ≈ HK$247,298/mo (50% DSR)
Upfront cash ≈ HK$11.31M (deposit + AVD stamp duty HK$1,403,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,577
−HK$8,502/mo
▼ 0.25% · 3.875%
HK$139,794
−HK$4,285/mo
Today · 4.125%
HK$144,079
baseline
▲ 0.50% · 4.625%
HK$152,846
+HK$8,767/mo
Deposit HK$3.30M · loan HK$29.73M · min. income ≈ HK$288,158/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$1,403,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,828
−HK$8,149/mo
▼ 0.25% · 3.875%
HK$154,873
−HK$4,104/mo
Today · 4.125%
HK$158,977
baseline
▲ 0.50% · 4.625%
HK$167,357
+HK$8,380/mo
Deposit HK$3.30M · loan HK$29.73M · min. income ≈ HK$317,954/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$1,403,845 · Scale 2, in force from 26 Feb 2026)