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$75,425
−HK$4,730/mo
▼ 0.25% · 3.875%
HK$77,771
−HK$2,384/mo
Today · 4.125%
HK$80,155
baseline
▲ 0.50% · 4.625%
HK$85,032
+HK$4,877/mo
Deposit HK$16.54M · loan HK$16.54M · min. income ≈ HK$160,310/mo (50% DSR)
Upfront cash ≈ HK$17.94M (deposit + AVD stamp duty HK$1,405,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,910
−HK$4,533/mo
▼ 0.25% · 3.875%
HK$86,160
−HK$2,283/mo
Today · 4.125%
HK$88,443
baseline
▲ 0.50% · 4.625%
HK$93,105
+HK$4,662/mo
Deposit HK$16.54M · loan HK$16.54M · min. income ≈ HK$176,886/mo (50% DSR)
Upfront cash ≈ HK$17.94M (deposit + AVD stamp duty HK$1,405,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,510
−HK$5,676/mo
▼ 0.25% · 3.875%
HK$93,326
−HK$2,860/mo
Today · 4.125%
HK$96,186
baseline
▲ 0.50% · 4.625%
HK$102,039
+HK$5,853/mo
Deposit HK$13.23M · loan HK$19.85M · min. income ≈ HK$192,372/mo (50% DSR)
Upfront cash ≈ HK$14.64M (deposit + AVD stamp duty HK$1,405,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,692
−HK$5,440/mo
▼ 0.25% · 3.875%
HK$103,392
−HK$2,740/mo
Today · 4.125%
HK$106,132
baseline
▲ 0.50% · 4.625%
HK$111,726
+HK$5,594/mo
Deposit HK$13.23M · loan HK$19.85M · min. income ≈ HK$212,264/mo (50% DSR)
Upfront cash ≈ HK$14.64M (deposit + AVD stamp duty HK$1,405,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,595
−HK$6,622/mo
▼ 0.25% · 3.875%
HK$108,880
−HK$3,337/mo
Today · 4.125%
HK$112,217
baseline
▲ 0.50% · 4.625%
HK$119,045
+HK$6,828/mo
Deposit HK$9.92M · loan HK$23.15M · min. income ≈ HK$224,434/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$1,405,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,474
−HK$6,347/mo
▼ 0.25% · 3.875%
HK$120,624
−HK$3,197/mo
Today · 4.125%
HK$123,821
baseline
▲ 0.50% · 4.625%
HK$130,347
+HK$6,526/mo
Deposit HK$9.92M · loan HK$23.15M · min. income ≈ HK$247,642/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$1,405,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,766
−HK$8,513/mo
▼ 0.25% · 3.875%
HK$139,989
−HK$4,290/mo
Today · 4.125%
HK$144,279
baseline
▲ 0.50% · 4.625%
HK$153,058
+HK$8,779/mo
Deposit HK$3.31M · loan HK$29.77M · min. income ≈ HK$288,558/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$1,405,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,038
−HK$8,160/mo
▼ 0.25% · 3.875%
HK$155,089
−HK$4,109/mo
Today · 4.125%
HK$159,198
baseline
▲ 0.50% · 4.625%
HK$167,589
+HK$8,391/mo
Deposit HK$3.31M · loan HK$29.77M · min. income ≈ HK$318,396/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$1,405,797 · Scale 2, in force from 26 Feb 2026)