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$75,441
−HK$4,731/mo
▼ 0.25% · 3.875%
HK$77,788
−HK$2,384/mo
Today · 4.125%
HK$80,172
baseline
▲ 0.50% · 4.625%
HK$85,051
+HK$4,879/mo
Deposit HK$16.54M · loan HK$16.54M · min. income ≈ HK$160,344/mo (50% DSR)
Upfront cash ≈ HK$17.95M (deposit + AVD stamp duty HK$1,406,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,928
−HK$4,534/mo
▼ 0.25% · 3.875%
HK$86,179
−HK$2,283/mo
Today · 4.125%
HK$88,462
baseline
▲ 0.50% · 4.625%
HK$93,125
+HK$4,663/mo
Deposit HK$16.54M · loan HK$16.54M · min. income ≈ HK$176,924/mo (50% DSR)
Upfront cash ≈ HK$17.95M (deposit + AVD stamp duty HK$1,406,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,530
−HK$5,677/mo
▼ 0.25% · 3.875%
HK$93,346
−HK$2,861/mo
Today · 4.125%
HK$96,207
baseline
▲ 0.50% · 4.625%
HK$102,061
+HK$5,854/mo
Deposit HK$13.23M · loan HK$19.85M · min. income ≈ HK$192,414/mo (50% DSR)
Upfront cash ≈ HK$14.64M (deposit + AVD stamp duty HK$1,406,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,713
−HK$5,442/mo
▼ 0.25% · 3.875%
HK$103,414
−HK$2,741/mo
Today · 4.125%
HK$106,155
baseline
▲ 0.50% · 4.625%
HK$111,750
+HK$5,595/mo
Deposit HK$13.23M · loan HK$19.85M · min. income ≈ HK$212,310/mo (50% DSR)
Upfront cash ≈ HK$14.64M (deposit + AVD stamp duty HK$1,406,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,618
−HK$6,623/mo
▼ 0.25% · 3.875%
HK$108,903
−HK$3,338/mo
Today · 4.125%
HK$112,241
baseline
▲ 0.50% · 4.625%
HK$119,071
+HK$6,830/mo
Deposit HK$9.93M · loan HK$23.16M · min. income ≈ HK$224,482/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$1,406,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,499
−HK$6,348/mo
▼ 0.25% · 3.875%
HK$120,650
−HK$3,197/mo
Today · 4.125%
HK$123,847
baseline
▲ 0.50% · 4.625%
HK$130,375
+HK$6,528/mo
Deposit HK$9.93M · loan HK$23.16M · min. income ≈ HK$247,694/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$1,406,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,795
−HK$8,515/mo
▼ 0.25% · 3.875%
HK$140,019
−HK$4,291/mo
Today · 4.125%
HK$144,310
baseline
▲ 0.50% · 4.625%
HK$153,091
+HK$8,781/mo
Deposit HK$3.31M · loan HK$29.78M · min. income ≈ HK$288,620/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$1,406,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,070
−HK$8,162/mo
▼ 0.25% · 3.875%
HK$155,122
−HK$4,110/mo
Today · 4.125%
HK$159,232
baseline
▲ 0.50% · 4.625%
HK$167,625
+HK$8,393/mo
Deposit HK$3.31M · loan HK$29.78M · min. income ≈ HK$318,464/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$1,406,097 · Scale 2, in force from 26 Feb 2026)