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$75,457
−HK$4,731/mo
▼ 0.25% · 3.875%
HK$77,804
−HK$2,384/mo
Today · 4.125%
HK$80,188
baseline
▲ 0.50% · 4.625%
HK$85,068
+HK$4,880/mo
Deposit HK$16.55M · loan HK$16.55M · min. income ≈ HK$160,376/mo (50% DSR)
Upfront cash ≈ HK$17.95M (deposit + AVD stamp duty HK$1,406,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,945
−HK$4,535/mo
▼ 0.25% · 3.875%
HK$86,196
−HK$2,284/mo
Today · 4.125%
HK$88,480
baseline
▲ 0.50% · 4.625%
HK$93,144
+HK$4,664/mo
Deposit HK$16.55M · loan HK$16.55M · min. income ≈ HK$176,960/mo (50% DSR)
Upfront cash ≈ HK$17.95M (deposit + AVD stamp duty HK$1,406,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,548
−HK$5,678/mo
▼ 0.25% · 3.875%
HK$93,364
−HK$2,862/mo
Today · 4.125%
HK$96,226
baseline
▲ 0.50% · 4.625%
HK$102,081
+HK$5,855/mo
Deposit HK$13.24M · loan HK$19.85M · min. income ≈ HK$192,452/mo (50% DSR)
Upfront cash ≈ HK$14.64M (deposit + AVD stamp duty HK$1,406,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,734
−HK$5,442/mo
▼ 0.25% · 3.875%
HK$103,435
−HK$2,741/mo
Today · 4.125%
HK$106,176
baseline
▲ 0.50% · 4.625%
HK$111,773
+HK$5,597/mo
Deposit HK$13.24M · loan HK$19.85M · min. income ≈ HK$212,352/mo (50% DSR)
Upfront cash ≈ HK$14.64M (deposit + AVD stamp duty HK$1,406,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,639
−HK$6,625/mo
▼ 0.25% · 3.875%
HK$108,925
−HK$3,339/mo
Today · 4.125%
HK$112,264
baseline
▲ 0.50% · 4.625%
HK$119,095
+HK$6,831/mo
Deposit HK$9.93M · loan HK$23.16M · min. income ≈ HK$224,528/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$1,406,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,523
−HK$6,349/mo
▼ 0.25% · 3.875%
HK$120,674
−HK$3,198/mo
Today · 4.125%
HK$123,872
baseline
▲ 0.50% · 4.625%
HK$130,401
+HK$6,529/mo
Deposit HK$9.93M · loan HK$23.16M · min. income ≈ HK$247,744/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$1,406,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,822
−HK$8,517/mo
▼ 0.25% · 3.875%
HK$140,047
−HK$4,292/mo
Today · 4.125%
HK$144,339
baseline
▲ 0.50% · 4.625%
HK$153,122
+HK$8,783/mo
Deposit HK$3.31M · loan HK$29.78M · min. income ≈ HK$288,678/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$1,406,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,100
−HK$8,164/mo
▼ 0.25% · 3.875%
HK$155,153
−HK$4,111/mo
Today · 4.125%
HK$159,264
baseline
▲ 0.50% · 4.625%
HK$167,659
+HK$8,395/mo
Deposit HK$3.31M · loan HK$29.78M · min. income ≈ HK$318,528/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$1,406,380 · Scale 2, in force from 26 Feb 2026)