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$75,387
−HK$4,727/mo
▼ 0.25% · 3.875%
HK$77,732
−HK$2,382/mo
Today · 4.125%
HK$80,114
baseline
▲ 0.50% · 4.625%
HK$84,989
+HK$4,875/mo
Deposit HK$16.53M · loan HK$16.53M · min. income ≈ HK$160,228/mo (50% DSR)
Upfront cash ≈ HK$17.94M (deposit + AVD stamp duty HK$1,405,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,867
−HK$4,531/mo
▼ 0.25% · 3.875%
HK$86,116
−HK$2,282/mo
Today · 4.125%
HK$88,398
baseline
▲ 0.50% · 4.625%
HK$93,058
+HK$4,660/mo
Deposit HK$16.53M · loan HK$16.53M · min. income ≈ HK$176,796/mo (50% DSR)
Upfront cash ≈ HK$17.94M (deposit + AVD stamp duty HK$1,405,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,464
−HK$5,673/mo
▼ 0.25% · 3.875%
HK$93,278
−HK$2,859/mo
Today · 4.125%
HK$96,137
baseline
▲ 0.50% · 4.625%
HK$101,987
+HK$5,850/mo
Deposit HK$13.22M · loan HK$19.84M · min. income ≈ HK$192,274/mo (50% DSR)
Upfront cash ≈ HK$14.63M (deposit + AVD stamp duty HK$1,405,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,640
−HK$5,438/mo
▼ 0.25% · 3.875%
HK$103,340
−HK$2,738/mo
Today · 4.125%
HK$106,078
baseline
▲ 0.50% · 4.625%
HK$111,669
+HK$5,591/mo
Deposit HK$13.22M · loan HK$19.84M · min. income ≈ HK$212,156/mo (50% DSR)
Upfront cash ≈ HK$14.63M (deposit + AVD stamp duty HK$1,405,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,542
−HK$6,618/mo
▼ 0.25% · 3.875%
HK$108,824
−HK$3,336/mo
Today · 4.125%
HK$112,160
baseline
▲ 0.50% · 4.625%
HK$118,985
+HK$6,825/mo
Deposit HK$9.92M · loan HK$23.14M · min. income ≈ HK$224,320/mo (50% DSR)
Upfront cash ≈ HK$11.32M (deposit + AVD stamp duty HK$1,405,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,414
−HK$6,343/mo
▼ 0.25% · 3.875%
HK$120,563
−HK$3,194/mo
Today · 4.125%
HK$123,757
baseline
▲ 0.50% · 4.625%
HK$130,281
+HK$6,524/mo
Deposit HK$9.92M · loan HK$23.14M · min. income ≈ HK$247,514/mo (50% DSR)
Upfront cash ≈ HK$11.32M (deposit + AVD stamp duty HK$1,405,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,696
−HK$8,510/mo
▼ 0.25% · 3.875%
HK$139,917
−HK$4,289/mo
Today · 4.125%
HK$144,206
baseline
▲ 0.50% · 4.625%
HK$152,980
+HK$8,774/mo
Deposit HK$3.31M · loan HK$29.75M · min. income ≈ HK$288,412/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$1,405,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,961
−HK$8,156/mo
▼ 0.25% · 3.875%
HK$155,009
−HK$4,108/mo
Today · 4.125%
HK$159,117
baseline
▲ 0.50% · 4.625%
HK$167,504
+HK$8,387/mo
Deposit HK$3.31M · loan HK$29.75M · min. income ≈ HK$318,234/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$1,405,079 · Scale 2, in force from 26 Feb 2026)