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$75,409
−HK$4,728/mo
▼ 0.25% · 3.875%
HK$77,754
−HK$2,383/mo
Today · 4.125%
HK$80,137
baseline
▲ 0.50% · 4.625%
HK$85,014
+HK$4,877/mo
Deposit HK$16.54M · loan HK$16.54M · min. income ≈ HK$160,274/mo (50% DSR)
Upfront cash ≈ HK$17.94M (deposit + AVD stamp duty HK$1,405,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,891
−HK$4,533/mo
▼ 0.25% · 3.875%
HK$86,141
−HK$2,283/mo
Today · 4.125%
HK$88,424
baseline
▲ 0.50% · 4.625%
HK$93,085
+HK$4,661/mo
Deposit HK$16.54M · loan HK$16.54M · min. income ≈ HK$176,848/mo (50% DSR)
Upfront cash ≈ HK$17.94M (deposit + AVD stamp duty HK$1,405,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,490
−HK$5,675/mo
▼ 0.25% · 3.875%
HK$93,305
−HK$2,860/mo
Today · 4.125%
HK$96,165
baseline
▲ 0.50% · 4.625%
HK$102,016
+HK$5,851/mo
Deposit HK$13.23M · loan HK$19.84M · min. income ≈ HK$192,330/mo (50% DSR)
Upfront cash ≈ HK$14.63M (deposit + AVD stamp duty HK$1,405,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,670
−HK$5,439/mo
▼ 0.25% · 3.875%
HK$103,370
−HK$2,739/mo
Today · 4.125%
HK$106,109
baseline
▲ 0.50% · 4.625%
HK$111,702
+HK$5,593/mo
Deposit HK$13.23M · loan HK$19.84M · min. income ≈ HK$212,218/mo (50% DSR)
Upfront cash ≈ HK$14.63M (deposit + AVD stamp duty HK$1,405,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,572
−HK$6,620/mo
▼ 0.25% · 3.875%
HK$108,856
−HK$3,336/mo
Today · 4.125%
HK$112,192
baseline
▲ 0.50% · 4.625%
HK$119,019
+HK$6,827/mo
Deposit HK$9.92M · loan HK$23.15M · min. income ≈ HK$224,384/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$1,405,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,448
−HK$6,345/mo
▼ 0.25% · 3.875%
HK$120,598
−HK$3,195/mo
Today · 4.125%
HK$123,793
baseline
▲ 0.50% · 4.625%
HK$130,319
+HK$6,526/mo
Deposit HK$9.92M · loan HK$23.15M · min. income ≈ HK$247,586/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$1,405,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,736
−HK$8,511/mo
▼ 0.25% · 3.875%
HK$139,958
−HK$4,289/mo
Today · 4.125%
HK$144,247
baseline
▲ 0.50% · 4.625%
HK$153,025
+HK$8,778/mo
Deposit HK$3.31M · loan HK$29.76M · min. income ≈ HK$288,494/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$1,405,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,005
−HK$8,158/mo
▼ 0.25% · 3.875%
HK$155,054
−HK$4,109/mo
Today · 4.125%
HK$159,163
baseline
▲ 0.50% · 4.625%
HK$167,553
+HK$8,390/mo
Deposit HK$3.31M · loan HK$29.76M · min. income ≈ HK$318,326/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$1,405,487 · Scale 2, in force from 26 Feb 2026)