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$75,471
−HK$4,733/mo
▼ 0.25% · 3.875%
HK$77,819
−HK$2,385/mo
Today · 4.125%
HK$80,204
baseline
▲ 0.50% · 4.625%
HK$85,084
+HK$4,880/mo
Deposit HK$16.55M · loan HK$16.55M · min. income ≈ HK$160,408/mo (50% DSR)
Upfront cash ≈ HK$17.96M (deposit + AVD stamp duty HK$1,406,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,961
−HK$4,536/mo
▼ 0.25% · 3.875%
HK$86,213
−HK$2,284/mo
Today · 4.125%
HK$88,497
baseline
▲ 0.50% · 4.625%
HK$93,162
+HK$4,665/mo
Deposit HK$16.55M · loan HK$16.55M · min. income ≈ HK$176,994/mo (50% DSR)
Upfront cash ≈ HK$17.96M (deposit + AVD stamp duty HK$1,406,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,566
−HK$5,679/mo
▼ 0.25% · 3.875%
HK$93,383
−HK$2,862/mo
Today · 4.125%
HK$96,245
baseline
▲ 0.50% · 4.625%
HK$102,101
+HK$5,856/mo
Deposit HK$13.24M · loan HK$19.86M · min. income ≈ HK$192,490/mo (50% DSR)
Upfront cash ≈ HK$14.65M (deposit + AVD stamp duty HK$1,406,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,753
−HK$5,444/mo
▼ 0.25% · 3.875%
HK$103,456
−HK$2,741/mo
Today · 4.125%
HK$106,197
baseline
▲ 0.50% · 4.625%
HK$111,795
+HK$5,598/mo
Deposit HK$13.24M · loan HK$19.86M · min. income ≈ HK$212,394/mo (50% DSR)
Upfront cash ≈ HK$14.65M (deposit + AVD stamp duty HK$1,406,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,660
−HK$6,626/mo
▼ 0.25% · 3.875%
HK$108,947
−HK$3,339/mo
Today · 4.125%
HK$112,286
baseline
▲ 0.50% · 4.625%
HK$119,118
+HK$6,832/mo
Deposit HK$9.93M · loan HK$23.17M · min. income ≈ HK$224,572/mo (50% DSR)
Upfront cash ≈ HK$11.34M (deposit + AVD stamp duty HK$1,406,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,546
−HK$6,350/mo
▼ 0.25% · 3.875%
HK$120,698
−HK$3,198/mo
Today · 4.125%
HK$123,896
baseline
▲ 0.50% · 4.625%
HK$130,427
+HK$6,531/mo
Deposit HK$9.93M · loan HK$23.17M · min. income ≈ HK$247,792/mo (50% DSR)
Upfront cash ≈ HK$11.34M (deposit + AVD stamp duty HK$1,406,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,848
−HK$8,519/mo
▼ 0.25% · 3.875%
HK$140,074
−HK$4,293/mo
Today · 4.125%
HK$144,367
baseline
▲ 0.50% · 4.625%
HK$153,152
+HK$8,785/mo
Deposit HK$3.31M · loan HK$29.79M · min. income ≈ HK$288,734/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$1,406,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,130
−HK$8,165/mo
▼ 0.25% · 3.875%
HK$155,183
−HK$4,112/mo
Today · 4.125%
HK$159,295
baseline
▲ 0.50% · 4.625%
HK$167,692
+HK$8,397/mo
Deposit HK$3.31M · loan HK$29.79M · min. income ≈ HK$318,590/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$1,406,655 · Scale 2, in force from 26 Feb 2026)