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$75,377
−HK$4,726/mo
▼ 0.25% · 3.875%
HK$77,721
−HK$2,382/mo
Today · 4.125%
HK$80,103
baseline
▲ 0.50% · 4.625%
HK$84,977
+HK$4,874/mo
Deposit HK$16.53M · loan HK$16.53M · min. income ≈ HK$160,206/mo (50% DSR)
Upfront cash ≈ HK$17.93M (deposit + AVD stamp duty HK$1,404,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,856
−HK$4,530/mo
▼ 0.25% · 3.875%
HK$86,105
−HK$2,281/mo
Today · 4.125%
HK$88,386
baseline
▲ 0.50% · 4.625%
HK$93,045
+HK$4,659/mo
Deposit HK$16.53M · loan HK$16.53M · min. income ≈ HK$176,772/mo (50% DSR)
Upfront cash ≈ HK$17.93M (deposit + AVD stamp duty HK$1,404,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,452
−HK$5,672/mo
▼ 0.25% · 3.875%
HK$93,265
−HK$2,859/mo
Today · 4.125%
HK$96,124
baseline
▲ 0.50% · 4.625%
HK$101,973
+HK$5,849/mo
Deposit HK$13.22M · loan HK$19.83M · min. income ≈ HK$192,248/mo (50% DSR)
Upfront cash ≈ HK$14.63M (deposit + AVD stamp duty HK$1,404,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,627
−HK$5,436/mo
▼ 0.25% · 3.875%
HK$103,326
−HK$2,737/mo
Today · 4.125%
HK$106,063
baseline
▲ 0.50% · 4.625%
HK$111,654
+HK$5,591/mo
Deposit HK$13.22M · loan HK$19.83M · min. income ≈ HK$212,126/mo (50% DSR)
Upfront cash ≈ HK$14.63M (deposit + AVD stamp duty HK$1,404,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,527
−HK$6,618/mo
▼ 0.25% · 3.875%
HK$108,810
−HK$3,335/mo
Today · 4.125%
HK$112,145
baseline
▲ 0.50% · 4.625%
HK$118,968
+HK$6,823/mo
Deposit HK$9.92M · loan HK$23.14M · min. income ≈ HK$224,290/mo (50% DSR)
Upfront cash ≈ HK$11.32M (deposit + AVD stamp duty HK$1,404,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,398
−HK$6,343/mo
▼ 0.25% · 3.875%
HK$120,547
−HK$3,194/mo
Today · 4.125%
HK$123,741
baseline
▲ 0.50% · 4.625%
HK$130,263
+HK$6,522/mo
Deposit HK$9.92M · loan HK$23.14M · min. income ≈ HK$247,482/mo (50% DSR)
Upfront cash ≈ HK$11.32M (deposit + AVD stamp duty HK$1,404,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,678
−HK$8,508/mo
▼ 0.25% · 3.875%
HK$139,898
−HK$4,288/mo
Today · 4.125%
HK$144,186
baseline
▲ 0.50% · 4.625%
HK$152,959
+HK$8,773/mo
Deposit HK$3.31M · loan HK$29.75M · min. income ≈ HK$288,372/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$1,404,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,940
−HK$8,155/mo
▼ 0.25% · 3.875%
HK$154,988
−HK$4,107/mo
Today · 4.125%
HK$159,095
baseline
▲ 0.50% · 4.625%
HK$167,481
+HK$8,386/mo
Deposit HK$3.31M · loan HK$29.75M · min. income ≈ HK$318,190/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$1,404,889 · Scale 2, in force from 26 Feb 2026)