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$75,316
−HK$4,723/mo
▼ 0.25% · 3.875%
HK$77,659
−HK$2,380/mo
Today · 4.125%
HK$80,039
baseline
▲ 0.50% · 4.625%
HK$84,909
+HK$4,870/mo
Deposit HK$16.51M · loan HK$16.51M · min. income ≈ HK$160,078/mo (50% DSR)
Upfront cash ≈ HK$17.92M (deposit + AVD stamp duty HK$1,403,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,788
−HK$4,527/mo
▼ 0.25% · 3.875%
HK$86,035
−HK$2,280/mo
Today · 4.125%
HK$88,315
baseline
▲ 0.50% · 4.625%
HK$92,970
+HK$4,655/mo
Deposit HK$16.51M · loan HK$16.51M · min. income ≈ HK$176,630/mo (50% DSR)
Upfront cash ≈ HK$17.92M (deposit + AVD stamp duty HK$1,403,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,379
−HK$5,668/mo
▼ 0.25% · 3.875%
HK$93,190
−HK$2,857/mo
Today · 4.125%
HK$96,047
baseline
▲ 0.50% · 4.625%
HK$101,891
+HK$5,844/mo
Deposit HK$13.21M · loan HK$19.82M · min. income ≈ HK$192,094/mo (50% DSR)
Upfront cash ≈ HK$14.62M (deposit + AVD stamp duty HK$1,403,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,546
−HK$5,432/mo
▼ 0.25% · 3.875%
HK$103,242
−HK$2,736/mo
Today · 4.125%
HK$105,978
baseline
▲ 0.50% · 4.625%
HK$111,564
+HK$5,586/mo
Deposit HK$13.21M · loan HK$19.82M · min. income ≈ HK$211,956/mo (50% DSR)
Upfront cash ≈ HK$14.62M (deposit + AVD stamp duty HK$1,403,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,442
−HK$6,612/mo
▼ 0.25% · 3.875%
HK$108,722
−HK$3,332/mo
Today · 4.125%
HK$112,054
baseline
▲ 0.50% · 4.625%
HK$118,873
+HK$6,819/mo
Deposit HK$9.91M · loan HK$23.12M · min. income ≈ HK$224,108/mo (50% DSR)
Upfront cash ≈ HK$11.31M (deposit + AVD stamp duty HK$1,403,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,304
−HK$6,337/mo
▼ 0.25% · 3.875%
HK$120,450
−HK$3,191/mo
Today · 4.125%
HK$123,641
baseline
▲ 0.50% · 4.625%
HK$130,158
+HK$6,517/mo
Deposit HK$9.91M · loan HK$23.12M · min. income ≈ HK$247,282/mo (50% DSR)
Upfront cash ≈ HK$11.31M (deposit + AVD stamp duty HK$1,403,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,569
−HK$8,501/mo
▼ 0.25% · 3.875%
HK$139,786
−HK$4,284/mo
Today · 4.125%
HK$144,070
baseline
▲ 0.50% · 4.625%
HK$152,836
+HK$8,766/mo
Deposit HK$3.30M · loan HK$29.73M · min. income ≈ HK$288,140/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$1,403,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,819
−HK$8,148/mo
▼ 0.25% · 3.875%
HK$154,864
−HK$4,103/mo
Today · 4.125%
HK$158,967
baseline
▲ 0.50% · 4.625%
HK$167,346
+HK$8,379/mo
Deposit HK$3.30M · loan HK$29.73M · min. income ≈ HK$317,934/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$1,403,758 · Scale 2, in force from 26 Feb 2026)