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$75,479
−HK$4,733/mo
▼ 0.25% · 3.875%
HK$77,827
−HK$2,385/mo
Today · 4.125%
HK$80,212
baseline
▲ 0.50% · 4.625%
HK$85,093
+HK$4,881/mo
Deposit HK$16.55M · loan HK$16.55M · min. income ≈ HK$160,424/mo (50% DSR)
Upfront cash ≈ HK$17.96M (deposit + AVD stamp duty HK$1,406,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,970
−HK$4,536/mo
▼ 0.25% · 3.875%
HK$86,222
−HK$2,284/mo
Today · 4.125%
HK$88,506
baseline
▲ 0.50% · 4.625%
HK$93,172
+HK$4,666/mo
Deposit HK$16.55M · loan HK$16.55M · min. income ≈ HK$177,012/mo (50% DSR)
Upfront cash ≈ HK$17.96M (deposit + AVD stamp duty HK$1,406,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,575
−HK$5,680/mo
▼ 0.25% · 3.875%
HK$93,392
−HK$2,863/mo
Today · 4.125%
HK$96,255
baseline
▲ 0.50% · 4.625%
HK$102,112
+HK$5,857/mo
Deposit HK$13.24M · loan HK$19.86M · min. income ≈ HK$192,510/mo (50% DSR)
Upfront cash ≈ HK$14.65M (deposit + AVD stamp duty HK$1,406,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,764
−HK$5,444/mo
▼ 0.25% · 3.875%
HK$103,466
−HK$2,742/mo
Today · 4.125%
HK$106,208
baseline
▲ 0.50% · 4.625%
HK$111,806
+HK$5,598/mo
Deposit HK$13.24M · loan HK$19.86M · min. income ≈ HK$212,416/mo (50% DSR)
Upfront cash ≈ HK$14.65M (deposit + AVD stamp duty HK$1,406,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,671
−HK$6,626/mo
▼ 0.25% · 3.875%
HK$108,958
−HK$3,339/mo
Today · 4.125%
HK$112,297
baseline
▲ 0.50% · 4.625%
HK$119,130
+HK$6,833/mo
Deposit HK$9.93M · loan HK$23.17M · min. income ≈ HK$224,594/mo (50% DSR)
Upfront cash ≈ HK$11.34M (deposit + AVD stamp duty HK$1,406,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,558
−HK$6,351/mo
▼ 0.25% · 3.875%
HK$120,710
−HK$3,199/mo
Today · 4.125%
HK$123,909
baseline
▲ 0.50% · 4.625%
HK$130,440
+HK$6,531/mo
Deposit HK$9.93M · loan HK$23.17M · min. income ≈ HK$247,818/mo (50% DSR)
Upfront cash ≈ HK$11.34M (deposit + AVD stamp duty HK$1,406,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,862
−HK$8,520/mo
▼ 0.25% · 3.875%
HK$140,088
−HK$4,294/mo
Today · 4.125%
HK$144,382
baseline
▲ 0.50% · 4.625%
HK$153,167
+HK$8,785/mo
Deposit HK$3.31M · loan HK$29.79M · min. income ≈ HK$288,764/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$1,406,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,146
−HK$8,165/mo
▼ 0.25% · 3.875%
HK$155,199
−HK$4,112/mo
Today · 4.125%
HK$159,311
baseline
▲ 0.50% · 4.625%
HK$167,709
+HK$8,398/mo
Deposit HK$3.31M · loan HK$29.79M · min. income ≈ HK$318,622/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$1,406,799 · Scale 2, in force from 26 Feb 2026)