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$75,323
−HK$4,723/mo
▼ 0.25% · 3.875%
HK$77,666
−HK$2,380/mo
Today · 4.125%
HK$80,046
baseline
▲ 0.50% · 4.625%
HK$84,917
+HK$4,871/mo
Deposit HK$16.52M · loan HK$16.52M · min. income ≈ HK$160,092/mo (50% DSR)
Upfront cash ≈ HK$17.92M (deposit + AVD stamp duty HK$1,403,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,796
−HK$4,527/mo
▼ 0.25% · 3.875%
HK$86,043
−HK$2,280/mo
Today · 4.125%
HK$88,323
baseline
▲ 0.50% · 4.625%
HK$92,979
+HK$4,656/mo
Deposit HK$16.52M · loan HK$16.52M · min. income ≈ HK$176,646/mo (50% DSR)
Upfront cash ≈ HK$17.92M (deposit + AVD stamp duty HK$1,403,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,387
−HK$5,668/mo
▼ 0.25% · 3.875%
HK$93,199
−HK$2,856/mo
Today · 4.125%
HK$96,055
baseline
▲ 0.50% · 4.625%
HK$101,900
+HK$5,845/mo
Deposit HK$13.21M · loan HK$19.82M · min. income ≈ HK$192,110/mo (50% DSR)
Upfront cash ≈ HK$14.62M (deposit + AVD stamp duty HK$1,403,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,555
−HK$5,433/mo
▼ 0.25% · 3.875%
HK$103,252
−HK$2,736/mo
Today · 4.125%
HK$105,988
baseline
▲ 0.50% · 4.625%
HK$111,574
+HK$5,586/mo
Deposit HK$13.21M · loan HK$19.82M · min. income ≈ HK$211,976/mo (50% DSR)
Upfront cash ≈ HK$14.62M (deposit + AVD stamp duty HK$1,403,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,452
−HK$6,613/mo
▼ 0.25% · 3.875%
HK$108,732
−HK$3,333/mo
Today · 4.125%
HK$112,065
baseline
▲ 0.50% · 4.625%
HK$118,884
+HK$6,819/mo
Deposit HK$9.91M · loan HK$23.12M · min. income ≈ HK$224,130/mo (50% DSR)
Upfront cash ≈ HK$11.31M (deposit + AVD stamp duty HK$1,403,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,314
−HK$6,338/mo
▼ 0.25% · 3.875%
HK$120,461
−HK$3,191/mo
Today · 4.125%
HK$123,652
baseline
▲ 0.50% · 4.625%
HK$130,170
+HK$6,518/mo
Deposit HK$9.91M · loan HK$23.12M · min. income ≈ HK$247,304/mo (50% DSR)
Upfront cash ≈ HK$11.31M (deposit + AVD stamp duty HK$1,403,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,581
−HK$8,502/mo
▼ 0.25% · 3.875%
HK$139,798
−HK$4,285/mo
Today · 4.125%
HK$144,083
baseline
▲ 0.50% · 4.625%
HK$152,850
+HK$8,767/mo
Deposit HK$3.30M · loan HK$29.73M · min. income ≈ HK$288,166/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$1,403,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,833
−HK$8,149/mo
▼ 0.25% · 3.875%
HK$154,878
−HK$4,104/mo
Today · 4.125%
HK$158,982
baseline
▲ 0.50% · 4.625%
HK$167,362
+HK$8,380/mo
Deposit HK$3.30M · loan HK$29.73M · min. income ≈ HK$317,964/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$1,403,886 · Scale 2, in force from 26 Feb 2026)