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$75,418
−HK$4,730/mo
▼ 0.25% · 3.875%
HK$77,764
−HK$2,384/mo
Today · 4.125%
HK$80,148
baseline
▲ 0.50% · 4.625%
HK$85,025
+HK$4,877/mo
Deposit HK$16.54M · loan HK$16.54M · min. income ≈ HK$160,296/mo (50% DSR)
Upfront cash ≈ HK$17.94M (deposit + AVD stamp duty HK$1,405,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,902
−HK$4,533/mo
▼ 0.25% · 3.875%
HK$86,152
−HK$2,283/mo
Today · 4.125%
HK$88,435
baseline
▲ 0.50% · 4.625%
HK$93,097
+HK$4,662/mo
Deposit HK$16.54M · loan HK$16.54M · min. income ≈ HK$176,870/mo (50% DSR)
Upfront cash ≈ HK$17.94M (deposit + AVD stamp duty HK$1,405,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,502
−HK$5,675/mo
▼ 0.25% · 3.875%
HK$93,317
−HK$2,860/mo
Today · 4.125%
HK$96,177
baseline
▲ 0.50% · 4.625%
HK$102,030
+HK$5,853/mo
Deposit HK$13.23M · loan HK$19.84M · min. income ≈ HK$192,354/mo (50% DSR)
Upfront cash ≈ HK$14.64M (deposit + AVD stamp duty HK$1,405,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,683
−HK$5,439/mo
▼ 0.25% · 3.875%
HK$103,383
−HK$2,739/mo
Today · 4.125%
HK$106,122
baseline
▲ 0.50% · 4.625%
HK$111,716
+HK$5,594/mo
Deposit HK$13.23M · loan HK$19.84M · min. income ≈ HK$212,244/mo (50% DSR)
Upfront cash ≈ HK$14.64M (deposit + AVD stamp duty HK$1,405,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,586
−HK$6,621/mo
▼ 0.25% · 3.875%
HK$108,870
−HK$3,337/mo
Today · 4.125%
HK$112,207
baseline
▲ 0.50% · 4.625%
HK$119,034
+HK$6,827/mo
Deposit HK$9.92M · loan HK$23.15M · min. income ≈ HK$224,414/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$1,405,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,463
−HK$6,346/mo
▼ 0.25% · 3.875%
HK$120,613
−HK$3,196/mo
Today · 4.125%
HK$123,809
baseline
▲ 0.50% · 4.625%
HK$130,335
+HK$6,526/mo
Deposit HK$9.92M · loan HK$23.15M · min. income ≈ HK$247,618/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$1,405,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,753
−HK$8,513/mo
▼ 0.25% · 3.875%
HK$139,976
−HK$4,290/mo
Today · 4.125%
HK$144,266
baseline
▲ 0.50% · 4.625%
HK$153,044
+HK$8,778/mo
Deposit HK$3.31M · loan HK$29.77M · min. income ≈ HK$288,532/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$1,405,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,024
−HK$8,159/mo
▼ 0.25% · 3.875%
HK$155,074
−HK$4,109/mo
Today · 4.125%
HK$159,183
baseline
▲ 0.50% · 4.625%
HK$167,574
+HK$8,391/mo
Deposit HK$3.31M · loan HK$29.77M · min. income ≈ HK$318,366/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$1,405,668 · Scale 2, in force from 26 Feb 2026)