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$75,374
−HK$4,727/mo
▼ 0.25% · 3.875%
HK$77,719
−HK$2,382/mo
Today · 4.125%
HK$80,101
baseline
▲ 0.50% · 4.625%
HK$84,974
+HK$4,873/mo
Deposit HK$16.53M · loan HK$16.53M · min. income ≈ HK$160,202/mo (50% DSR)
Upfront cash ≈ HK$17.93M (deposit + AVD stamp duty HK$1,404,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,853
−HK$4,530/mo
▼ 0.25% · 3.875%
HK$86,102
−HK$2,281/mo
Today · 4.125%
HK$88,383
baseline
▲ 0.50% · 4.625%
HK$93,042
+HK$4,659/mo
Deposit HK$16.53M · loan HK$16.53M · min. income ≈ HK$176,766/mo (50% DSR)
Upfront cash ≈ HK$17.93M (deposit + AVD stamp duty HK$1,404,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,449
−HK$5,672/mo
▼ 0.25% · 3.875%
HK$93,262
−HK$2,859/mo
Today · 4.125%
HK$96,121
baseline
▲ 0.50% · 4.625%
HK$101,969
+HK$5,848/mo
Deposit HK$13.22M · loan HK$19.83M · min. income ≈ HK$192,242/mo (50% DSR)
Upfront cash ≈ HK$14.63M (deposit + AVD stamp duty HK$1,404,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,623
−HK$5,437/mo
▼ 0.25% · 3.875%
HK$103,322
−HK$2,738/mo
Today · 4.125%
HK$106,060
baseline
▲ 0.50% · 4.625%
HK$111,650
+HK$5,590/mo
Deposit HK$13.22M · loan HK$19.83M · min. income ≈ HK$212,120/mo (50% DSR)
Upfront cash ≈ HK$14.63M (deposit + AVD stamp duty HK$1,404,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,524
−HK$6,617/mo
▼ 0.25% · 3.875%
HK$108,806
−HK$3,335/mo
Today · 4.125%
HK$112,141
baseline
▲ 0.50% · 4.625%
HK$118,964
+HK$6,823/mo
Deposit HK$9.92M · loan HK$23.14M · min. income ≈ HK$224,282/mo (50% DSR)
Upfront cash ≈ HK$11.32M (deposit + AVD stamp duty HK$1,404,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,394
−HK$6,342/mo
▼ 0.25% · 3.875%
HK$120,542
−HK$3,194/mo
Today · 4.125%
HK$123,736
baseline
▲ 0.50% · 4.625%
HK$130,259
+HK$6,523/mo
Deposit HK$9.92M · loan HK$23.14M · min. income ≈ HK$247,472/mo (50% DSR)
Upfront cash ≈ HK$11.32M (deposit + AVD stamp duty HK$1,404,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,673
−HK$8,508/mo
▼ 0.25% · 3.875%
HK$139,893
−HK$4,288/mo
Today · 4.125%
HK$144,181
baseline
▲ 0.50% · 4.625%
HK$152,954
+HK$8,773/mo
Deposit HK$3.31M · loan HK$29.75M · min. income ≈ HK$288,362/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$1,404,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,935
−HK$8,155/mo
▼ 0.25% · 3.875%
HK$154,983
−HK$4,107/mo
Today · 4.125%
HK$159,090
baseline
▲ 0.50% · 4.625%
HK$167,475
+HK$8,385/mo
Deposit HK$3.31M · loan HK$29.75M · min. income ≈ HK$318,180/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$1,404,839 · Scale 2, in force from 26 Feb 2026)