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$75,467
−HK$4,732/mo
▼ 0.25% · 3.875%
HK$77,814
−HK$2,385/mo
Today · 4.125%
HK$80,199
baseline
▲ 0.50% · 4.625%
HK$85,079
+HK$4,880/mo
Deposit HK$16.55M · loan HK$16.55M · min. income ≈ HK$160,398/mo (50% DSR)
Upfront cash ≈ HK$17.95M (deposit + AVD stamp duty HK$1,406,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,956
−HK$4,536/mo
▼ 0.25% · 3.875%
HK$86,208
−HK$2,284/mo
Today · 4.125%
HK$88,492
baseline
▲ 0.50% · 4.625%
HK$93,157
+HK$4,665/mo
Deposit HK$16.55M · loan HK$16.55M · min. income ≈ HK$176,984/mo (50% DSR)
Upfront cash ≈ HK$17.95M (deposit + AVD stamp duty HK$1,406,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,560
−HK$5,679/mo
▼ 0.25% · 3.875%
HK$93,377
−HK$2,862/mo
Today · 4.125%
HK$96,239
baseline
▲ 0.50% · 4.625%
HK$102,095
+HK$5,856/mo
Deposit HK$13.24M · loan HK$19.86M · min. income ≈ HK$192,478/mo (50% DSR)
Upfront cash ≈ HK$14.64M (deposit + AVD stamp duty HK$1,406,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,747
−HK$5,443/mo
▼ 0.25% · 3.875%
HK$103,449
−HK$2,741/mo
Today · 4.125%
HK$106,190
baseline
▲ 0.50% · 4.625%
HK$111,788
+HK$5,598/mo
Deposit HK$13.24M · loan HK$19.86M · min. income ≈ HK$212,380/mo (50% DSR)
Upfront cash ≈ HK$14.64M (deposit + AVD stamp duty HK$1,406,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,654
−HK$6,625/mo
▼ 0.25% · 3.875%
HK$108,940
−HK$3,339/mo
Today · 4.125%
HK$112,279
baseline
▲ 0.50% · 4.625%
HK$119,111
+HK$6,832/mo
Deposit HK$9.93M · loan HK$23.17M · min. income ≈ HK$224,558/mo (50% DSR)
Upfront cash ≈ HK$11.34M (deposit + AVD stamp duty HK$1,406,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,539
−HK$6,350/mo
▼ 0.25% · 3.875%
HK$120,691
−HK$3,198/mo
Today · 4.125%
HK$123,889
baseline
▲ 0.50% · 4.625%
HK$130,419
+HK$6,530/mo
Deposit HK$9.93M · loan HK$23.17M · min. income ≈ HK$247,778/mo (50% DSR)
Upfront cash ≈ HK$11.34M (deposit + AVD stamp duty HK$1,406,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,840
−HK$8,519/mo
▼ 0.25% · 3.875%
HK$140,066
−HK$4,293/mo
Today · 4.125%
HK$144,359
baseline
▲ 0.50% · 4.625%
HK$153,143
+HK$8,784/mo
Deposit HK$3.31M · loan HK$29.79M · min. income ≈ HK$288,718/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$1,406,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,121
−HK$8,165/mo
▼ 0.25% · 3.875%
HK$155,174
−HK$4,112/mo
Today · 4.125%
HK$159,286
baseline
▲ 0.50% · 4.625%
HK$167,682
+HK$8,396/mo
Deposit HK$3.31M · loan HK$29.79M · min. income ≈ HK$318,572/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$1,406,572 · Scale 2, in force from 26 Feb 2026)