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$75,341
−HK$4,724/mo
▼ 0.25% · 3.875%
HK$77,684
−HK$2,381/mo
Today · 4.125%
HK$80,065
baseline
▲ 0.50% · 4.625%
HK$84,937
+HK$4,872/mo
Deposit HK$16.52M · loan HK$16.52M · min. income ≈ HK$160,130/mo (50% DSR)
Upfront cash ≈ HK$17.92M (deposit + AVD stamp duty HK$1,404,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,816
−HK$4,528/mo
▼ 0.25% · 3.875%
HK$86,064
−HK$2,280/mo
Today · 4.125%
HK$88,344
baseline
▲ 0.50% · 4.625%
HK$93,001
+HK$4,657/mo
Deposit HK$16.52M · loan HK$16.52M · min. income ≈ HK$176,688/mo (50% DSR)
Upfront cash ≈ HK$17.92M (deposit + AVD stamp duty HK$1,404,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,409
−HK$5,669/mo
▼ 0.25% · 3.875%
HK$93,221
−HK$2,857/mo
Today · 4.125%
HK$96,078
baseline
▲ 0.50% · 4.625%
HK$101,924
+HK$5,846/mo
Deposit HK$13.22M · loan HK$19.82M · min. income ≈ HK$192,156/mo (50% DSR)
Upfront cash ≈ HK$14.62M (deposit + AVD stamp duty HK$1,404,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,579
−HK$5,434/mo
▼ 0.25% · 3.875%
HK$103,276
−HK$2,737/mo
Today · 4.125%
HK$106,013
baseline
▲ 0.50% · 4.625%
HK$111,601
+HK$5,588/mo
Deposit HK$13.22M · loan HK$19.82M · min. income ≈ HK$212,026/mo (50% DSR)
Upfront cash ≈ HK$14.62M (deposit + AVD stamp duty HK$1,404,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,477
−HK$6,614/mo
▼ 0.25% · 3.875%
HK$108,758
−HK$3,333/mo
Today · 4.125%
HK$112,091
baseline
▲ 0.50% · 4.625%
HK$118,912
+HK$6,821/mo
Deposit HK$9.91M · loan HK$23.13M · min. income ≈ HK$224,182/mo (50% DSR)
Upfront cash ≈ HK$11.32M (deposit + AVD stamp duty HK$1,404,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,342
−HK$6,340/mo
▼ 0.25% · 3.875%
HK$120,489
−HK$3,193/mo
Today · 4.125%
HK$123,682
baseline
▲ 0.50% · 4.625%
HK$130,201
+HK$6,519/mo
Deposit HK$9.91M · loan HK$23.13M · min. income ≈ HK$247,364/mo (50% DSR)
Upfront cash ≈ HK$11.32M (deposit + AVD stamp duty HK$1,404,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,613
−HK$8,504/mo
▼ 0.25% · 3.875%
HK$139,832
−HK$4,285/mo
Today · 4.125%
HK$144,117
baseline
▲ 0.50% · 4.625%
HK$152,887
+HK$8,770/mo
Deposit HK$3.30M · loan HK$29.74M · min. income ≈ HK$288,234/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$1,404,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,868
−HK$8,151/mo
▼ 0.25% · 3.875%
HK$154,915
−HK$4,104/mo
Today · 4.125%
HK$159,019
baseline
▲ 0.50% · 4.625%
HK$167,401
+HK$8,382/mo
Deposit HK$3.30M · loan HK$29.74M · min. income ≈ HK$318,038/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$1,404,220 · Scale 2, in force from 26 Feb 2026)